Not only is driving without insurance illegal in most states, it can put you at significant financial risk. Having
adequate insurance coverage will prevent you from financial wreck should you be involved in an
accident or incur vehicle damages.
Auto insurance is bundled into different types of coverages. While some coverages, like liability insurance
are mandatory, others are optional. However, optional coverages can protect you from financial repercussions
should you be involved in an accident.
Understanding auto insurance — its key terms and coverages — will help you when it comes time to purchase or renew your small business auto insurance policy.
Liability auto insurance provides coverage for property damage or bodily injury to others if you are involved in at accident that’s your fault. If not only pays for the injured party’s medical cost, but their lost wages as well. Property damage coverage can also cover the costs of legal expenses should a lawsuit be brought against you.
You, your passengers, and other insured members of the policy are covered for personal injuries, bodily injuries, damages, and death caused by a hit-and-run driver or an at-fault uninsured party. Up to the limit on your auto insurance policy, your policy will provide coverage for your medical expenses when involved in a no-fault accident with an uninsured driver.
Whether your own or lease your vehicle, auto insurance is a must, and required in almost all states. It’s important to purchase enough coverage to protect yourself financially, which may be more than the minimum requirements of your state.
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