Who needs auto insurance? State laws typically say that as a driver, you either must have insurance, or be able to provide evidence that you have the financial resources to pay a judgment against you. If you should cause injury or damage to another person, an insurance policy is the easiest way to document that you can pay damages if you must. You also need auto insurance to protect yourself financially. If you or anyone, for whom you're responsible for, seriously injures another person, you can be held liable for the injured person's medical expenses, rehabilitative therapy, and long term nursing care, as well as for his or her lost earnings. “I need insurance today” If you need immediate coverage you will need to provide proof of your name, birth date and address, and the car's VIN number (located on the dashboard near the windshield). When shopping for coverage you should consider what it is you do for a living and the distance you drive from work and school. If you have other drivers in the household, they need to be insured as well. Customers must decide if they want liability coverage or full coverage, which is mandatory if you owe any money on your car. Additional medical coverage is optional. You may not immediately think that you need towing or rental insurance but take some time to consider what you would do in the event of your car breaking down miles away from a shop. It will need to be towed, which is often charged by the mile. You'll also need to pay for a rental car while it's being repaired. Here are some other things to consider: What Liability insurance covers:
- Bodily Injury – This covers any bodily injury to the other party. It will cover $20,000 per person & $40,000 per occurrence.
- Property Damage – This covers any property damage that you may have caused to the other party. It will cover $15,000 per occurrence.
- Uninsured Motorists – This pays you and passengers in the insured vehicle monetary damages to recover from bodily injury or death caused by an uninsured or hit-and-run motorist. It will cover $20,000 per person & $40,000 per occurrence. This is only for your bodily injury, not damage to your vehicle.
- Medical– You can also get Medical Payments with your Liability policy. This is an optional coverage, offered at the customers' request. Medical payments will cover your medical coverage in the event you got hurt during a car accident.
What Full Coverage includes: