In the Unites States of America, each state has the right to establish specific rules and regulations regarding automobile insurance. The department of motor vehicles usually dictates the type of coverage that drivers must purchase. The purpose of auto insurance is to protect drivers and passengers of an insured vehicle and uninsured vehicles. Liability coverage is usually mandatory throughout all 50 states. This type of policy essentially offers compensation for physical injuries sustained during an accident. The maximum amount of money that can be paid is usually set by the department of motor vehicles. For example, some states require insurance companies to pay up to $100,000 for bodily injuries relating to car accidents.

Liability insurance also covers any damage to property besides a vehicle. For example, a car might crash into a private commercial lot or front lawn of a home. All damages= that is sustained from a crash may be covered under the liability clause that covers properties. Personal belongings inside a vehicle that has been involved a car accident might also be covered under property damage protection.

Uninsured motorist coverage is usually optional throughout the United States. However, this policy is strongly recommended because there is a high risk of getting into a hit and run accident. For example, an uninsured driver may damage another insured vehicle that is moving and then drive away. Similarly, an uninsured motorist might strike a parked insured vehicle and then disappear. Trying to learn more about car insurance in Delaware and others states is an example of exploring protection policies for vehicles in the Mid Atlantic region. 

An auto insurance agent can clearly explain to clients all of the mandatory policies that must be purchased by licensed drivers. Additionally, all optional coverage should be explained as well to clients that already have required policies. For example, some drivers may benefit from having car rental insurance. Additionally, comprehensive insurance provides protection against damage to windshields of a car. This policy is also valid on damage that occurs from natural causes such as weather events including storms, hurricanes, floods, snow, hail and earthquakes