When driving in any vehicle, you expect to be safe on the road and that the other drivers will obey the law. However, when someone is distracted and hits you because they ran the red light, it shows that they do not care about their negligence. On top of that, they have no auto insurance and you are stuck needing care for your injuries. You can sue them, but good luck getting the money. It is not only important but also required by law that any vehicle that is driving on the road comes with auto insurance. It does not matter if it’s full coverage or the minimum required. As long as you are covered some kind of way, you have don’t really have a lot to worry about other than your premiums going up.
Full Coverage Insurance
Full coverage insurance is nothing more than basic insurance with extra rider policies added to it that may need. You can get policies for vandalism, extra driver coverages, medical expense coverage, windshield damage, and other types of coverage. If the other driver does not have insurance, you can get your medical expenses taken care of with your policy. Also, there are some insurance agencies that offer accident forgiveness and will give you the total value of your car if it’s totaled out and not just the blue book value. There is even gap insurance to cover other things that you may need. When you have purchased a vehicle at a dealership, by law, you must have full coverage insurance just to drive it off the lot. Gap insurance helps in this case because if you get into an accident or a flood happens, the dealership can get money off of the vehicle if it not fixable. If you are in need of a full coverage policy, you can get many auto insurance quotes Needham MA.
Liability insurance is considered the minimum coverage needed by law in order to operate a motor vehicle. The only reason you should get this type of coverage is if you have purchased a used vehicle outright with cash. You know that driving it is only temporary and eventually it will stop running on you. So getting full coverage will only be a waste of money. Plus, when you get into an accident even if you are not covered at least when you are at fault, the other driver is. This keeps you from having a lawsuit in court for the damages. You can add different rider policies to it if you want for extra protection but you don’t have to. Liability is cheaper and in most cases, your six-month policy can be paid in full instead of having a monthly premium to pay every month.
Getting an auto insurance policy is not confusing or tedious. All you need to do is just check out the policies and choose one. Make sure the insurance policy you get has exactly what you really need.