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Auto Insurance

Understanding auto insurance — the basics

Who is covered by my auto insurance — and under what circumstances?

Is auto insurance coverage mandatory?

What other types of auto insurance coverage are typical?

What is gap insurance and do I need it?

Basic personal auto insurance is mandated by most states and provides you with some financial protection in case of an accident. But is it enough? What are the options? Learn how car insurance works and what types of coverage are available.

Understanding auto insurance — the basics

Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy.

Auto insurance provides coverage for:

Property - such as damage to or theft of your car

Liability - your legal responsibility to others for bodily injury or property damage

Medical - the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses