Auto insurance is a contract that distributes risk among multiple
drivers or policy holders, thereby reducing losses from an accident
by a single driver or policy holder. Auto insurance can be purchased
for cars, trucks and other motor vehicles, and its primary purpose is to provide protection against losses resulting from automobile accidents.
Auto Insurance Coverage
In the United States of America, auto insurance laws and regulations differ from state to state.
Depending on the state in which you reside, you may be able, or be required by law, to purchase several types of auto insurance coverage.
Liability insurance typically offers protection for persons covered
under your policy in case they become legally responsible for damages
resulting from an auto accident. Bodily injury liability coverage
deals with personal injury claims; property damage liability coverage
deals with property damage claims.
Personal Injury Protection typically offers coverage for injuries
sustained in an auto accident by persons covered under your policy.
Uninsured/Underinsured Motorist coverage typically pays persons
covered under your policy and other passengers in the vehicle when they
sustain injuries as the result of a hit-and-run accident or one where
the at-fault driver is uninsured or underinsured.
Collision coverage, often available as an option, typically covers
damage to your car as a result of colliding with another object
Comprehensive coverage, often available as an option as well,
typically covers damage to your car when it is stolen or damaged
in ways other than a collision.
Here at AutoInsuranceCompanies.us, you can access the websites of selected firms that offer car insurance in the USA.
Although a particular company may not offer automobile insurance in every state, most auto insurance companies do write insurance policies in many states.