Almost every state legally requires drivers to have car insurance before registering a vehicle, but this does not mean that purchasing coverage is something you should take lightly. Car insurance policies should be discussed and reviewed with your insurance agent. Although you may practice safe driving, you cannot account for everyone else on the road.
Auto insurance policies usually provide these basic coverage options:
- Medical Payments/Personal Injury Protection
- Bodily Injury Liability
- Property Damage Liability
- Uninsured/Underinsured Motorist Coverage
It is almost impossible to affordably own a vehicle without car insurance. No one is invincible and accidents and damages can be very costly. It is important to make sure you have adequate coverage that not only fits your lifestyle but also your wallet. At the very least, most states require that you carry auto liability coverage, but it’s important for your own benefit to have a policy that has much more.