Auto insurance is a package policy. Liability pays if you are legally responsible for another person's crash-related damages. Be certain you have enough liability insurance to protect your financial assets. Physical damage insurance on your vehicle is optional, but lenders typically require it. Note your comprehensive and collision deductibles.

Confirm each vehicle you drive has a current insurance identification card in the glove box.

Most people turn to an auto insurance company for assistance following a crash. Report the incident to the insurer right away. An adjuster will be assigned to verify coverage, and complete a detailed claim investigation.

Keep in mind that a liability-only policy pays when you are legally responsible for another person's crash-related damages. Repairs to your car are not insured unless your policy has collision on the damaged vehicle.