Frequently ask Auto questions
1. Why is auto insurance important?
Auto insurance provides financial protection against vehicle damage, theft, liability, and medical expenses resulting from accidents.
2. What does liability coverage in auto insurance entail?
Liability coverage helps pay for the costs if you injure someone or damage their property in an accident. It covers legal fees if you’re sued as well.
3. How does auto insurance protect against vehicle damage?
Comprehensive and collision coverage help repair or replace your vehicle if it’s damaged in various scenarios, such as accidents, vandalism, or natural disasters.
4. Is auto insurance mandatory?
Yes, in most places, having auto insurance is legally required. It’s not just for your protection; it’s also to ensure you can cover costs if you’re responsible for an accident.
5. What role does uninsured/underinsured motorist coverage play?
This coverage protects you if you’re in an accident with a driver who doesn’t have insurance or sufficient coverage. It helps cover your medical expenses and vehicle repairs.
6. How does auto insurance benefit beyond accidents?
It provides coverage for theft, vandalism, and natural disasters, offering financial protection in various unexpected situations.
7. Can auto insurance help with medical expenses?
Yes, it often covers medical expenses for you and your passengers, regardless of fault in an accident, including hospital bills and rehabilitation costs.
8. How does auto insurance protect against lawsuits?
Insurance can cover legal fees if you’re sued due to an accident, saving you from potentially high costs of defending yourself in court.
9. What if I have a loan or lease on my vehicle?
Lenders often require comprehensive and collision coverage to protect their investment until you fully own the vehicle.
10. How does auto insurance provide peace of mind?
Knowing you have coverage means you’re financially protected in unexpected situations, allowing you to drive with confidence and focus on the road ahead.