Basic auto insurance is required by every state

Basic auto insurance is required by virtually every state and is typically the cheapest auto insurance in the marketplace. Several supplemental auto coverages are available, either as separate premium items or included in augmented policies. -Rental reimbursement, a common add-on, covers vehicle rentals required because your car is damaged or stolen. The dire consequences of driving while uninsured are not worth the neglect of paying for insurance. Because insurance companies normally will not pay you more than your car's book value, it's helpful if you have a rough idea of critical damage point amount. It is suggested that the owner of the car keeps proof of insurance in the car at all times, instead of on his or her person, so that it can be available at all times, no matter who is driving. The coverage will pay regardless of who is at fault, but if someone else is liable, your insurer may seek to recoup the expenses from him or her. Proof of insurance is required at different times throughout the life of a vehicle. Any violations of state law regarding auto insurance could result in, at best, a hefty fine, and at worst, suspension of your driver's license and/or time in jail.