- Motorists must carry car insurance as a form of financial responsibility to pay for damages they cause in an auto accident. Car insurance protects the insured, passengers in the insured's vehicle as well as other people the insured injures in an accident.
- Car insurance will help restore motorists involved in an auto accident by paying for medical expenses or repairing a damaged vehicle. In exchange for a small monthly premium, an insurance policy will transfer the risk of loss from the insured to the insurance company. This significantly limits the financial strain of the insured.
- A standard car insurance policy will include state-required coverages, such as bodily injury and property damage liability. Medical payments coverage as well as coverage against a comprehensive or collision claim are also included. Most other coverages are designed to pay for medical expenses or property damaged caused by a negligent motorist.
