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Personal Auto Insurance protects you against financial loss in the event of an accident or theft. Basic personal auto insurance is mandated by most U.S. states, and laws very. Nearly every state requires car owners to carry Bodily Injury Liability and Property Damage Liability. In addition there are other coverage policies that may be mandated by your state or, if you are financing your vehicle, be required by your lender such as Medical payments or Personal Injury Protection (PIP) and Uninsured Motorist Coverage.
Personal Auto coverage options are priced individually to allow you to customize coverage amounts to best suite your exact needs and budget. Most policies are 6-month or 12-month terms and are renewable.
A Personal Auto Policy will cover you and other family members living in your household. Your policy extends to cover you whether you are driving your own vehicle, or someone else;s with their permission. Coverage follows the vehicle first and the auto second, meaning if you are in an at-fault accident while legally driving a friend's car, your friend's insurance would kick in first, and your insurance would cover any additional coverage needs.
Personal Auto policies only cover you when you are using a vehicle for personal use - such as running errands, commuting to work, or going on a road trip. Separate coverage may be required if you use your vehicle for commercial purposes, such as delivery. It is best to speak to an insurance professional is you have concerns about how you are using your vehicle.
