Owning and operating a motor vehicle is expensive, with costs of gas and maintenance growing more and more. The potential liabilities of operating a vehicle can also become quite expensive, but car insurance offers a reasonably affordable way to manage those risks.
Automobile insurance also provides coverage of costs incurred by the insured driver. Damages caused by collisions are often covered, and some policies may cover non-collision damages. A policy may allow payment of damages for an accident where the other motorist lacks insurance and would otherwise be liable. Some policies offer personal injury protection, where an injured driver receives a payment from the driver’s own insurance company for injuries in an accident, independent of any claim against the other driver’s policy. Other provisions in policies might include the cost of towing the vehicle, damage to personal property in the vehicle, and payment of rental car fees during repairs to the vehicle.