What is covered in your car insurance policy

If you drive a car, you must have auto insurance. It isn’t a question of whether or not you have it, it is only a matter of who you choose for your carrier. Every state in the nation requires that you carry car insurance – liability at a minimum – and it can’t be stressed enough how important it is that you comply with that requirement. Not being in compliance can come with some pretty steep penalties that would be better avoided at all costs.

So let’s look at what you get when you have car insurance. There are a few levels you can choose from – everything from the lowest liability coverage that will keep you out of trouble all the way to full comprehensive coverage that will pay for the smallest scratch or stolen personal property, plus everything in between. It is important to remember that since all states have insurance requirements, you’ll be asked to provide proof of insurance coverage even if you are stopped for a minor traffic infraction. That $25 or $50 ticket could turn into something three or four times that amount or more if you are caught without that proof and cannot quickly produce it should the officer let you do that. In most instances, the fine for no insurance is around $200 – that’s a big pop you would not be expecting.

So determine what your goal is for coverage. If your goal is just to make sure you’ve got your legal situation covered and you don’t worry about having insurance pay for repairs or replacement of your own vehicle, then liability coverage may be for you. This type of coverage is usually the least expensive, so that might dovetail with your goals here, too. One step up would be collision coverage which would pay for repairs/replacement on your car in the case of a head-on collision.

If you want to cover more from a damages point of view, you’ll want to choose comprehensive coverage. Again, there are various levels of coverage that you can get with comprehensive policies, and you’ll be able to decide what you want in there. Of course, the greater number of items or payout amounts you decide on, the greater your premium will be, but that is the trade off. You can have your policy cover you in case of an accident that doesn’t involve another vehicle, or if it is stolen (or parts of it are stolen), or if items are stolen out of it, or if a tree falls on it during the next ice storm. You can also choose how much hospitalization or personal injury coverage is included so you or your passengers are covered.

With full insurance coverage, you will be completely covered for all repair, replacement and/or medical bills involved in any type of accident, damage, or theft. In some instances, depending on the car and the loan company you go through if you make car payments, you might be required to carry full insurance. Check with your finance company to find out.

For more information regarding comparing car insurance policies, please visit and see what Car Insurance Companies Review has to offer.

Buying car insurance is easier with the help of Car Insurance Companies Review. Visit to compare policies and companies side by side. Then choose the right one for your needs.