Auto insurance plans are designed to help financially cover potential car related damages, loss, or injuries. It helps protect you, passengers, other drivers, pedestrians, property and your car. In the state of California, you are legally obligated to buy auto insurance or your license can be suspended. Auto insurance also helps protects you in the event of a lawsuit associated with an incident involving your car.
Standard auto insurance is the basic level of coverage available from an insurance provider. Standard auto insurance protects you and your vehicle. You can add on coverage to protect you further. The regulations in most states require a driver to carry liability insurance. Liability insurance will cover bodily injury and property damage claims resulting from an accident that is primarily the fault of the insured individual. This insurance covers the expenses of only the other driver or property owner who received damage due to the error of the insured driver. Auto liability insurance will not cover the policyholder driver.
In addition to standard auto insurance, other types of insurance, such as comprehensive and collision, may be available at an additional charge to the standard policy. These coverages offer extra protection for the policyholder. Many drivers have collision coverage as an extension of a standard policy. Comprehensive coverage is for damage to a consumer’s car from causes other than a collision, such as damage from a tornado, vandalism, collapsing garage, or dents caused by a run-in with a deer.