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Car Insurance – Protecting You, Your Property, And Keeping You Legal

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One of the most memorable days in a person’s life is the day they first step foot out of the license bureau with that crisp, fresh driver’s license in their hand. That day is the day that first marks a person’s independence. On the other hand, however, that is usually the first day in a person’s life when they are now held accountable for paying bills. Once a person makes the decision to drive, from that day forward that person makes the decision to carry  car   insurance . In fact, it really isn’t even much of a choice. In this country, if a person doesn’t have  car   insurance , then they can actually get in serious trouble.

Why does a person need  car   insurance ? Well, despite the fact that it is illegal to not have it,  car   insurance  is very valuable in the event that anything happens to one’s  car . There are multiple tiers of  car   insurance , depending on a person’s income, the type of  car  driven, and what options he or she chooses. Each of these tiers offers different coverage options, and in addition there are a ton of value added features.

The most basic of all  car   insurance  options, which is required by all  insurance  plans, is liability only. This covers the damage that a person does to anyone else’s property or vehicles. This basic coverage doesn’t necessarily offer the person with the policy much protection in the event something happens to them or their car, but when they hit another car, or damage someone else’s property, this policy takes care of it. Liability  insurance  covers a person’s bases so that they are not held personally liable for an accident they cause. Every driver has to have liability  insurance  if they drive, even if they don’t own a  car .

If a person opts for more coverage, they can choose collision and comprehensive coverage, also known as having ‘full coverage.’ Collision coverage covers the damage done to an insured person’s vehicle, regardless of fault. There is a deductible (it can range from $0 to $1,000) and once this deductible is met, the  insurance  will take care of all repairs. This  insurance  is required if a person owes money on their  car , per the terms of their auto loan. Comprehensive coverage covers things that happen outside of the scope of collision  insurance . For instance, if there is a fire or someone breaks into a person’s car, comprehensive coverage takes care of that.

 Insurance  is mandatory, but a person can shop around and build the perfect policy for their situation. Not everybody needs full coverage, and some people choose to add more value-added features than even listed above, such as tow coverage and rental car reimbursement. Regardless, anybody who ever wants to drive needs  car   insurance  and it is in their best interest to find the policy meant for them.



Source by Cheryl Woodhouse