Personal Auto Insurance

What Is Personal Auto Insurance?

Personal auto insurance protects you financially when you're involved in a car accident or your vehicle is damaged or stolen. It covers liability for injuries and property damage you cause to others, as well as damage to your own vehicle depending on the coverage you choose.

Why You Need Personal Auto Insurance

• It's legally required in most states to drive on public roads
• Protects you from costly medical bills and property damage claims
• Covers repair or replacement costs for your vehicle after an accident
• Provides peace of mind when you're behind the wheel

Common Coverages

Liability coverage pays for injuries and property damage you cause to others. Collision coverage handles damage to your car from accidents. Comprehensive coverage protects against theft, vandalism, weather damage, and other non-collision events. Uninsured motorist coverage protects you when the at-fault driver has no insurance. Medical payments or personal injury protection covers medical expenses for you and your passengers.

How Much Coverage Do I Need?

Your coverage needs depend on your vehicle's value, your assets, and state requirements. Consider higher liability limits if you have significant assets to protect. If your car is financed or leased, you'll likely need comprehensive and collision coverage.