All drivers on American highways and roads are required to have safe auto car insurance policies that meet minimum state requirements for financial responsibility in the event that a driver is involved in an accident that causes damage or injuries to other parties. There are many types of safe auto car insurance available that can protect a driver from liability associated with damages or injuries to other parties and even pay for the insured driver’s vehicle or medical expenses.
Basic Requirements for Safe Auto Car Insurance
Every state in the United States has some form of a financial responsibility law or statute that requires all drivers maintain minimum levels of safe auto car insurance. In order to meet the minimum requirements for the financial responsibility law, most states require that drivers maintain minimum levels of liability auto insurance coverage.
Liability auto insurance is a type of safe auto car insurance that pays for damages to other people's vehicles as well as for injuries and medical costs of drivers and passengers in vehicles other than the insured driver’s vehicle. This type of basic safe auto car insurance does not provide protection or coverage for the insured driver’s vehicle nor does it pay for the insured driver's injuries or medical expenses—even if the driver is found to not be at fault.
Additional Options for Coverage
In addition to the basic levels of coverage provided by state mandated liability safe auto car insurance, there are other optional policy coverage types that can provide additional protection to the insured driver. For example, comprehensive and collision insurance, also known as full coverage insurance, covers the insured driver’s vehicle and medical expenses—regardless of who is found to be a fault in the accident.
The comprehensive portion of full coverage insurance pays for it damages to the vehicle that are caused by fire, storms or even floods. In addition, the comprehensive coverage also pays for vehicles that are vandalized or stolen. The collision portion of the coverage only pays for accident damage or injuries that are a result of an actual collision accident.
Insured drivers also have the option of purchasing other types of coverage as well. For example, drivers can choose to purchase policies with higher liability limits that will protect them in the event that someone is seriously injured in a car accident and requires hospitalization or treatments that run beyond standard insurance policy limits. Also, drivers can purchase uninsured motorist or underinsured motorist coverage that will pay for damage to the insured driver’s vehicle or injuries to the driver or passenger if the other driver does not have adequate insurance coverage.
Finding the Best Rates on Policies
In order to find the best rates for insurance coverage, drivers can search the Internet for companies that provide low cost car insurance policies. Websites like CarInsurance.com allow drivers to quickly compare rates from several different insurance companies at once. In fact, insurance companies will send rate quotes directly to the consumer's e-mail inbox. Drivers can then choose the policy that best fits their needs and budget.