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Does Auto Insurance Cover Theft?

Do you have a car? If you do, then you may have to pay for auto insurance.

Auto Insurance: What Is It?

Auto insurance protects against liability and damage costs incurred due to an accident or other incident with someone else’s vehicle (or property). This coverage typically includes bodily injury to others involved in the accident as well as damage done by your vehicle, such as collision repair, medical payments or hospital bills, and property damage. It is important to note that bodily injury liability can include any amount of medical bills incurred during the accident, regardless of who is at fault (up to the limit of your coverage). Auto insurance thus serves as protection in case you cause an accident and must pay damages, or in case you are sued because someone else caused an incident through negligent behavior.

What About Theft?

If you have comprehensive coverage, it can cover theft of your vehicle or damage done to it. Comprehensive coverage is also known as "other than collision" (OTC) and does not require a claim against someone else’s car to be valid. That means you’re covered if your car was broken into, vandalized, or stolen with no fault on your part. When you purchase a policy, be sure to read the fine print to determine exactly what you are and aren’t covered for.

What Happens If You Don’t Have Auto Insurance?

Driving without insurance is illegal in most states. It can lead to ticket fines or more severe legal penalties. Also, if you are involved in an accident and don’t have auto insurance, it’s possible that the other party can sue you for damages. Depending on what coverage your state requires and the severity of the accident, you might end up paying a lot for damage to someone else’s property or injuring them with no insurance to cover it.

If you are looking to purchase an auto insurance policy, it’s also a good idea to have adequate comprehensive coverage as well. You can contact Glick Insurance with further questions regarding obtaining this type of coverage. Glick Insurance has helped many Greensboro, NC, residents get the proper insurance they need.

Risks of Driving Without Insurance

All states have laws regarding the requirement for drivers and car owners to carry the minimally required amount of auto insurance coverage. Unfortunately, because state laws mandate auto insurance, there are huge risks of driving without it. Ultimately, the price you have to pay will outweigh the savings you experience by forgoing auto insurance coverage in Greensboro, NC. 

If you are driving without insurance, give our agents a call today at Glick Insurance to discuss coverage options available. 

What happens if I get into an accident without auto insurance?

If you are found at fault for an accident you will be held liable for everything for boldly injuries to property damage. You also risk paying fines, having your vehicle impounded, and having your license suspended. 

If you are not found to be at fault, you may still face fines, having your vehicle impounded, and having your license suspended. Additionally, without insurance, it is more difficult to receive compensation from the at-fault driver’s insurance company. 

What are the financial costs associated with driving without insurance?

Driving without insurance can be costly, especially when caught. The financial costs you pay can go beyond what you would have paid for insurance coverage. The consequences for driving without insurance varies depending upon the state where you were driving and pulled over. In most situations, if this is your first offense, you typically are fined and given time to get the required insurance. In some cases, you risk having your driver’s license and registration suspended until you pay the fines and show proof of insurance coverage. 

Do not let yourself get caught driving without auto insurance in Greensboro, NC. Call Glick Insurance today to discuss coverage options and get the coverage you need today. 

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