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In every state of the United States and many foreign countries, at least some level of auto insurances is required of all automobile drivers. Amounts of minimum coverage are somewhat different in each state. Automobile insurance policies are purchased to protect vehicles against damages or injury due to another party in an automobile accident. There are two main categories of insurance for automobiles.
Comprehensive Insurance
Comprehensive insurance policies cover all types of damage to automobiles other than those caused by collisions while driving the automobile. Examples include trees falling on the vehicle, theft, fires, floods, animal damage or vandalism. Comprehensive insurance usually is optional and many motorists drop comprehensive coverage for older cars.
Liability Insurance
When you cause damage to other individuals or vehicles, you are considered to be liable to pay for repairs or treatment. Liability insurance doesn't cover you, passengers in your vehicle or your own automobile.
Property damage liability is one of two types of liability usually considered minimum required coverage for automobiles in most states. It pays for property damage caused by your vehicle to other vehicles, buildings, trees or fences during an accident.
Liability for bodily injury to others is the second major type of liability insurance coverage. When another party is injured during an accident deemed to be your fault. It covers payments for medical bills, loss of income or pain and suffering. Bodily injury liability coverage doesn't extend to people on your own insurance policy who may be injured in an accident.
The type of auto insurances that are appropriate for you will depend upon many factors. You should consider your location, state legal minimums, age and condition of your vehicles, authorized drivers and the type and amount of driving that you do. The cost of your insurance will depend upon the above factors and upon the amount of deductible that you are prepared to pay in the event of an accident.
Comprehensive Insurance
Comprehensive insurance policies cover all types of damage to automobiles other than those caused by collisions while driving the automobile. Examples include trees falling on the vehicle, theft, fires, floods, animal damage or vandalism. Comprehensive insurance usually is optional and many motorists drop comprehensive coverage for older cars.
Liability Insurance
When you cause damage to other individuals or vehicles, you are considered to be liable to pay for repairs or treatment. Liability insurance doesn't cover you, passengers in your vehicle or your own automobile.
Property damage liability is one of two types of liability usually considered minimum required coverage for automobiles in most states. It pays for property damage caused by your vehicle to other vehicles, buildings, trees or fences during an accident.
Liability for bodily injury to others is the second major type of liability insurance coverage. When another party is injured during an accident deemed to be your fault. It covers payments for medical bills, loss of income or pain and suffering. Bodily injury liability coverage doesn't extend to people on your own insurance policy who may be injured in an accident.
The type of auto insurances that are appropriate for you will depend upon many factors. You should consider your location, state legal minimums, age and condition of your vehicles, authorized drivers and the type and amount of driving that you do. The cost of your insurance will depend upon the above factors and upon the amount of deductible that you are prepared to pay in the event of an accident.
In every state of the United States and many foreign countries, at least some level of auto insurances is required of all automobile drivers. More info on this as well as auto insurance for teens, a click away!
Article Source: http://EzineArticles.com/?expert=Neva_Dohm 
