Having the proper auto insurance protection is vital to protecting your financial situation. Go over your policy and all the different components of it. Start by asking yourself if you have enough liability coverage that if you were to cause injuries and or property damage that amounted to large amount of money would you be protected? You could be sued and on the hook for much money if that happened and you didn’t have enough liability.
Comprehensive is another important aspect of you car insurance policy that protects in the event of damange from things like theft, fires, hitting animals on the road etc. Basically objects that could cause damage other than another automobile. You definately need it if you have a vehicle with a loan on it and or if it has some valuable to it you couldn’t replace out of pocket.
Collision is a key compenant of a policy covering you to repair damage on your car if you hit another auto. This is another must for those with loans or when your vehicle can’t be easily replaced or repaired with out of pocket funds.
Want to be covered for your medical bills if in an accident then PIP is important. Consider other parts of the policy like Uninsured/Undermotorist coverage, work loss, rental reimbursement all of which you find information this site.
The bottom line is that you want to examine you policy closely and understand the options that are available to you. This will help you make an informed decision.