auto insurance usa

Why is Auto Insurance required :

For everyone in the world, insurance is essential because it covers your expenses in the event of vehicle damage or injuries to other drivers, passengers or pedestrians.
Insurance is an important part of a financial plan.
All motorists must be insured against their liability to other people, as stipulated in the Road Traffic Act 1988. We can also define insurance, it can also provide financial support if your car is stolen & destroyed by fire.

There may be example in which you don’t need to insure your vehicle, for example, if you have declared your vehicle off the road through a Statutory Off Road Notification (SORN) from the DVLA.

What is Auto Insurance?

Arrangement between an individual (consumer) and an insurer (insurance company)

Protects individuals against risk from automobile accidents.

Insurance is a legal contract that transfers risk from a policyholder to an insurance provider.

There are many types of auto insurance in usa and explained below.

1.  Liability Insurance:

Liability car insurance is more important insurance that pays other parties when they're hurt or their property is damaged in an accident and the insured is considered "at-fault."
Auto liability insurance is a type of car insurance coverage that's required by law in most states. If you do an accident, liability coverage helps pay for the other person's expenses. There are two types of auto liability coverage that drivers in each state must have: bodily injury liability coverage and property damage liability coverage.

Auto liability insurance helps cover:

• Bodily injury : If you're at fault for an accident that injures another person, bodily injury liability coverage helps pay for their medical expenses. 
• Property damage : If you cause an accident that damages someone else's property (their car, for example), property damage liability coverage helps pay for repairs.

2. Collision Coverage: Collision cover is for damage caused by you to your own vehicle, irrespective of who was responsible for the damage. If there is a covered accident, collision coverage will pay for the repairs to your car. If your car is totaled (where the cost to repair it exceeds the value of the vehicle) in an accident, collision coverage will pay the value of your car.

Comprehensive Coverage:

• Personal Injury Protection
• Uninsured /Underinsured Motorist Protection

3. Comprehensive Coverage :  A comprehensive coverage play very important role when your car, is damaged by a natural calamity, hits a deer, or is stolen. While this coverage is not compulsory for every driver, lien holders in the USA are required to have comprehensive coverage. Moreover, the cost of buying a comprehensive coverage can be reduced by installing tracking and anti-theft devices in your car.

4. Personal Injury Coverage : In case of you do not need a comprehensive or collision coverage,personal injury coverage is highly suggested for every driver.This insurance will cover your whole medical costs along with that of the passengers in case of a covered accident irrespective of who is at fault for the accident.The medical bills during an accident can add up very quickly, and this personal injury insurance is an excellent way to protect yourself from these expenses.

5. Rental Car Coverage : Expenses of rental car during the time when your car is in garage for any kind of repairs.

For more details about Auto Insurance you can use below site.

References | https://www.compare.com/auto-insurance

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Purpose

Below are the basic points before purchase insurance in USA .

• Talk to 2-3 insurance company agents. Make a comparative study of the rates. **Remember, there is scope for bargaining everywhere.
• Take your insurance before going to the Car dealer, as without an insurance, you can't buy a car, and taking an insurance at dealers place could be costly
• Make a note of your car insurance agents contact information. Keep it in your wallet; You might need it at any time.
• Always keep a copy of your car insurance papers in your car.
• If there is some minor damage to your car like scratch, dent, you must report it.
• Major insurance companies are Farmers, Geico , Progressive, Liberty Mutual, Mercury, etc.
• Please have the following information available if you need to contact your insurance company about a damage to your car:
• Your Full Name 
• Your Date of Birth 
• Your Social Security Number 
• Your daytime and evening phone numbers 
• State of Residence 
• Insurance Policy number(s) 
• Type of claim (collision, stolen car, death, disability, etc.) 
• If the claimant is someone other than you, please include the name of the claimant and your relationship to the claimant