Whether you’re an experienced driver or a first-time car owner, you’re probably aware of how car insurance is a vital part of protecting your car. However, if you’ve never filed a claim, you may not understand why the policy is necessary or what protection it provides. The agents at Charles Adams Insurance Agency in Ashland, KY, explain how car insurance works.

What Is Car Insurance?

Car insurance is a type of insurance policy that protects you, your passengers, and your car in the event of an accident. For most drivers, an insurance policy is a requirement to register their car with their local Motor Vehicle Department. Each state stipulates a mandatory minimum coverage required for every vehicle. This helps to protect drivers on the road across the state and makes the roadways safer for everyone. Your insurance agent at Charles Adams Insurance will help you identify the minimum coverage you need to register your car.

Why You Need It

Your car is an investment, even if you’re only using it to get from point A to point B. A good policy helps you cover the cost of repairs, should you be involved in an accident, whether you’re repairing a dented car door or replacing a full vehicle after it’s totaled.

Most basic policies will provide coverage for personal injury protection, damage to another individual’s vehicle, and protection against uninsured drivers. Should you want more in-depth coverage, your agent can help you select a policy providing comprehensive options and may even reduce the cost of labor associated with repairs.

Without a good insurance policy, you’ll be responsible for the full cost of repairs to your vehicle, as well as other vehicles involved in the collision if you’re at fault. Depending on the severity of the accident, this can easily add up to thousands of dollars.

Protect your car and your passengers; contact Charles Adams Insurance to discuss their auto insurance options. Visit the website to learn more about their insurance providers, and call (606) 325-9709 to speak with an experienced agent. Spare yourself the inconvenience of driving without insurance by asking for a quote today.