Auto insurance is important although it is not compulsory in all states and countries. Basic insurance is though, is enforced by law in some states. Motorists have to be insured for liability covering as this pays for the damage and injury to drivers and passengers involved in an accident which was caused by you.

It is advisable to get insurance coverage for damage sustained by your vehicle if you were involved in an accident. Vehicles are expensive and repairs can cost a lot of money so it is well worth the expense of the premiums to be able to claim for any damages done as a result of an accident.

There are a number of categories of insurance coverage which motorists can choose from. Decide which will suit you if you do not want to pay for all the categories.

Underinsured covering means that you will be paid for all your medical expenses that are not covered by the other driver’s insurance policy.

You will probably want to have your car covered for any act of nature that is not caused by human error as you never know when something unforeseen can happen like a storm causing floods, or cyclones, hail or fire. If you were to collide with an animal this policy would also cover you. This is known as comprehensive coverage.

There is an insurance coverage for collisions if you were at fault and your vehicle was damaged. There is always a likelihood of this happening as there is so much traffic on the roads and not everyone is always careful.