First-time car buyers who have never before dealt with auto insurance may have several questions about what it is, how it works, and what type of coverage is required. Kalita Agency, one of the most experienced independent insurance agencies in Watertown, CT, explains some of the things you should know about auto insurance. 

What Is Auto Insurance?

Auto insurance is a collection of several types of coverage that protect drivers in different ways. Some of the most common coverage types include bodily injury and property damage liability, collision, comprehensive, and personal injury protection. Bodily injury liability coverage pays your legal costs (lawyer fees, settlement amounts, court costs, and fines) should you be sued for injuring other motorists or pedestrians, as well as some of their medical costs. Property damage liability covers the damage you cause to others' property. Collision coverage pays for damages to your vehicle sustained during an accident, while comprehensive coverage pays for non-collision losses due to events like theft, vandalism, or fire. Personal injury protection pays for your own or a passenger's medical expenses incurred during a traffic accident.

What Types of Coverage Are Required?

Most states require that vehicles carry a minimum amount of liability coverage. Connecticut is a 20,000/40,000/10,000 state, which means it requires $20,000 of bodily injury liability per person per accident, to a maximum of $40,000 for all passengers. It also requires $10,000 of property damage liability per accident.

Kalita Agency, the premier auto insurance agency in Watertown, CT, can work with you to determine your coverage needs and help you create a car, health, life, or homeowners insurance policy that fits your lifestyle and your budget. Visit them online for contact information, or call (860) 274-8882 to request an insurance quote from a friendly, experienced agent.