| Owning a car could be a luxury but it could also | | | | Collision insurance on the other hand pays for the |
| be a necessity. However, one should not forget | | | | damages to your own car upon accident. But if |
| the responsibilities that go with it. Most states in | | | | the cost for repair is higher than the car's actual |
| the US require its citizens to insure auto. If you | | | | value, your car will just be towed away and you |
| are thinking of buying a car, what are the basic | | | | will be given the exact amount of the car when |
| things that you should know and do? | | | | you initially purchased it. |
| First of all, no one can avoid accidents. No one | | | | Another type of auto insurance is comprehensive |
| knows or can anticipate when it comes. Even if | | | | coverage. In this case, it pays for the damages |
| you drive carefully, you cannot pinpoint who the | | | | of your car but not because of an accident. It |
| drunken driver is. And even if everyone drives | | | | could be caused by natural disasters like fire, |
| carefully, no one is absolutely accident free. | | | | flood, hurricane, snow storm, etc. It could even |
| That is the reason why you need auto insurance. | | | | cover damages as a result of vandalism or even |
| Aside from protection from financial burdens in | | | | theft. |
| case accidents, it also protects other people who | | | | After an accident, there will surely be casualties |
| gets injured as a result. It also pays for the car's | | | | that would need hospitalization. Medical expenses |
| damages upon collision. | | | | will be shouldered by Med Pay. |
| There are several basic types of auto insurance | | | | To insure auto is an addition to your bills you pay |
| coverage. But to name a few, some basic types | | | | each month. But it is better to pay the premium |
| are liability, collision, comprehensive and Med Pay | | | | than facing a financial debt after a horrible |
| insurance. Liability insurance is responsible for | | | | accident. Be sure to know the basics or contact |
| paying the damages that you cause others. It | | | | an insurance agent to give you other options on |
| could be others bodily injury or damages to their | | | | how to lower your payment. |
| property. | | | | |