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Auto Insurance 101

Updated: Feb 25, 2022

Auto insurance is a coverage for cars, trucks, motorcycles, and other road vehicles, which provides financial protection against property damage or bodily injury resulting from traffic collisions. Auto insurance also protects financial protection from property damage or bodily injury from any non-collision causes. Maintaining a car insurance is needed not only for financial protection but because it is required by law. When you get pulled over for a minor traffic violation, the officer would immediately ask for your driver’s license and insurance card. A simple ticket might turn into jail time if you can’t present a proof of auto insurance.



A collision is any event in which two or more bodies exert forces on each other in a relatively short time. In auto insurance, it can be two cars colliding or one car colliding into a wall. Regardless of who’s at fault, collision can pay to repair or replaced a damaged or totaled vehicle if it hits another vehicle or object, another vehicle hits it, or the vehicle rolls over.


It is also called other than collision coverage, which simply means coverage for damage to the vehicle caused by anything other than collision. The vehicle damage can be from a tree branch that fell on windshield, hail damage, damage to car caused by flooding, or broken glass from a riot. This coverage can help pay for damage to your vehicle from vandalism, theft, weather events and accidents involving animals.