Auto Insurance

If you drive a vehicle, you must have adequate auto insurance, so that you are covered against liability for injuries to others and for damage to other people's property. Liability coverage pays for things such as legal defense costs, lost wages, medical bills, and repairing or replacing another person’s vehicle and is required by most states, with each state having different minimum required amounts.

However, auto insurance is much more than a legal requirement. The right policy can make the aftermath of an accident far less stressful, and protect you against considerable financial loss.

In this section we look at the areas that auto insurance will cover, and what you need to understand before purchasing a policy. We also see how those all important premiums are calculated, and what you can do to minimize the chances that you'll ever have to make a claim.