Motorists who want to protect their automobiles and avoid potentially expensive repairs after an accident may want to consider purchasing an insurance policy. Although many states require drivers to be insured, its still usually a good idea to buy vehicle coverage even if people have the option of driving uninsured. These policies can provide useful protection against a variety of potential expenses, such as damages the vehicle owner may be responsible for, damages to a persons own automobile, and a variety of other situations or possible charges. Motorists who are interested in purchasing a plan are advised to consider how much protection is necessary, and then take the time to find an insurer able to provide those services at an adequate price.
Vehicle owners should know that insurers typically offer automobile insurance coverage in many different forms. Most basic policies include bodily injury and property damage liability to pay for damages or injuries the policyholder is responsible for up to the limits of the policy. States that have financial responsibility laws typically require liability in order to drive, but additional protection is also recommended. Because crashes commonly result in damages to the insureds vehicle, additives like comprehensive and collision coverage are also recommended. The National Highway Traffic Safety Administration estimated that there were over 4,146,000 accidents in the US in 2008 that resulted in property damages only, and adding these forms of protection to a policy can help pay for damage caused not only by a collision, but also those that are not associated with a collision. This can include fire, flooding, theft, falling objects, or even vandalism.
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