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Who needs auto insurance?

The answer to this question is, "anyone with a car". If you drive, you must either have insurance or prove you have the resources to pay should there be a judgment against you. It is a matter of state law. If you injure another person, you are liable for their medical expenses, rehab, and even lost earnings. There are certain elements to auto insurance policies that are mandatory and others that are optional.

What is Liability Coverage?

This is the coverage that is required by law. Bodily injury liability coverage pays when you are legally liable for injury or property damage caused by your vehicle. Legal fees and court costs are also covered. This coverage helps protect you from losing your home, your savings and possibly your income in the event you become involved in a accident. Liability coverage consists of the following:

Bodily Injury - This covers any bodily injury to the other party

Property Damage – This covers any property damage that you may have caused to the other party.

Uninsured Motorists – This pays damages to recover from bodily injury or death caused by an uninsured or hit-and-run motorist.

• You can also get optional Medical Payments coverage with your Liability policy. Medical payments will cover your medical coverage in the event you got hurt during a car accident.

If you drive, you need insurance, even if you don´t own a car. Shopping around and getting the coverage you need to satisfy both the law and your own policy needs doesn´t have to be confusing, complicated, and time consuming. Working with a Cloverleaf Insurance Agency expert who does this day in and day out and can compare rates from multiple companies at a time can save you time and frustration. For the best quote for you, visit or call 1-800-530-5822.

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