If you have ever wondered why you need car insurance, it’s because you are not protecting yourself financially without it. Cars can be damaged or stolen, costing money to be repaired or replaced. Accidents can occur with bodily injury to you, your passengers and people in the other car. Medical bills can be very expensive and a lawsuit from another injured party can cost even more. The following are personal auto insurance coverages you can, or should, have in your car insurance policy.
- Liability Coverage: Liability coverage covers bodily injury to others and property damage to others if you are at fault in an accident. Bodily injury pays others’ medical costs. It can also pay injured parties’ lost wages and your legal expenses if a lawsuit is brought against you due to an accident.