AUTO CAR INSURANCE-PROS OR CON
Auto Car Insurance is required by law in virtually every state in the U.S. as
well as most developed nations. Even though some drivers believe it is an
unnecessary expense, vehicle insurance is actually a win/win situation.
You benefit by protecting your assets in case of an accident, whether or not
you're responsible. The other driver benefits in the same way and the
taxpayers benefit, collectively, either way by not having to pay for state
After all, insurance simply guarantees that damages are paid for by the
There are always those who choose to drive without the required coverage,
but they are taking quite a risk in doing so. The consequences for driving
without insurance can be quite severe. Not only in fines but also resulting in
higher premium prices and possible civil judgment. And in the case of
repeated infractions, the possibility of actual incarceration.
The Auto Car Insurance coverage normally required by the state is liability.
Optional coverage might include collision or comprehensive and uninsured
Your liability insurance will cover just the property of others or personal
injury damage to others that is caused by you.
Collision insurance covers damage to your car in the event of an actual
collision between your vehicle and any other object.
Comprehensive Auto Car Insurance coverage is to protect you if your vehicle
is stolen or damaged by fire, vandalism or even an act of god, but excluding a
In the event that you're involved in an accident caused by another driver and
they have no insurance or too little insurance, the uninsured motorist option
would cover the damage to your property.
Your insurance premiums will usually be reduced if you have risk reducing
options on your car such as alarms, abs brakes, etc. Also multiple car
discounts are available as well as discounts for having other types of
insurance through the same company.
Where you live, how much you drive and type of car a