Financial Auto Insurance Protection

Auto insurance is insurance for automobiles, trucks, motorcycles, or other road-going vehicles. Its main function is to offer financial coverage against physical harm or bodily injury caused by accidents in a car and also against liability which may also arise out of various incidents in the car. The auto insurance company or the agent dealing with you provides the coverage for the cost of repairing your vehicle if it meets with an accident. There are two types of auto insurance, namely, third-party auto insurance and comprehensive auto insurance. In third-party auto insurance, the coverage offered is limited to damages to a third party’s property or bodily injury. Comprehensive auto insurance offers complete coverage to all the damages mentioned in the third-party policy.

auto insurance

There are various factors which may affect the choice of auto insurance coverage. Some of these factors have been discussed below: the type of vehicle being insured, the driving history of the driver and the choice of drivers (whether male or female), and the area where the automobile is driven. Some states, like Montana, mandate that every motorist must have at least PIP insurance, which is the minimum required by law. The state of Washington is one of the few wherein every driver must have at least bodily injury liability coverage. A person who owns a commercial vehicle in Washington must also get liability coverage for any damages to the goods held within the automobile.

If a driver has no liability coverage or if the driver has low-limit or non-collision auto insurance coverage, he or she can file a claim for the damages either through his or her own insurance firm or through another driver. But when the accident is due to the negligence of another driver, he or she can file a suit against the driver through his or her attorney. Hit-and-run accidents happen when a driver hits another vehicle and then causes some damage to the automobile. Many drivers who run hit-and-run accidents are those who are drunk. Hit-and-run accidents do not only occur on busy highways and freeways, but they can occur anywhere.

In Washington, if a person steals a motor vehicle, the person who owns it has to have at least bodily injury liability insurance. The person who owns the vehicle does not necessarily have to have collision auto insurance. However, if the vehicle is a stick-built vehicle, the owner is fully responsible for any damages that the vehicle sustains in an accident. In the event of an accident that causes damage to the car or its passengers, the owner is liable for all damages. In Washington, if the person who owns the vehicle can prove that he or she was not at fault, the auto insurance company will not be sued for the damages incurred in the accident.

If you own a motorcycle in Washington, you may want to purchase additional motorcycle insurance. Motorcycle insurance helps protect you in the event you are injured in an accident because of another vehicle or object. Many times people injure themselves when they are riding their motorcycle. Some people lose their lives because they hit another vehicle or object while trying to cross a street. Wearing appropriate safety gear, including leather jackets and motorcycle helmets can help protect you from serious injury in case of an accident.

Auto insurance in Washington covers many problems caused by vehicle collisions. If you are involved in an accident that was your fault, your insurance company will compensate for your medical expenses and damaged vehicle. The costs associated with car accidents are very expensive. Car accident coverage can help reduce those costs. By purchasing the right amount of insurance coverage, you can ensure that your financial protection will remain intact in case of an auto accident in Washington.