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Auto insurance is a 'must-have' in most of the states in the United States of America. If the question is why you need auto insurance, then the answers are many.

Auto insurance protects you from expensive and sometimes upsetting disclosures. You may be an excellent driver and may think that you can drive very carefully and never cause an accident. However, you must remember that not all drivers on the road may be as good as you and there may always be a chance of you getting involved in an accident with some one else. Chances are that you will give in your best to avoid any kind of an auto accident on the road, but the fact is there aren't enough good drivers to make up for the careless drivers on the road. Hence, while you are trying to avoid a bad driver on the road, you may accidentally hit someone else in a bid to avoid this driver and hence get involved in an accident. Having auto insurance really helps in times like this.

Let us think in another perspective. What if you get involved in an accident despite being utterly careful and don't have auto insurance? What would you do if you are the uninsured driver at fault? Your out-of-pocket expenses could be huge if you have to pay for the damages. But if you have auto insurance, you do not have to worry about all these things. You could pay for the other party's medical bills from your insurance. You may have your own car damaged and may find out that the other party does not have adequate insurance or any insurance at all. So if you have underinsured/uninsured motorist coverage, you can benefit from that.

Hit-and-run cases occur quite often and if this were to happen, you would have to pay for repairing the damages out of your own pocket and that too at once. But if you did have auto insurance, your policy could pay. Having auto insurance can relieve you from the worries of an accident on the road. While driving carefully is something that everyone needs to do, accidents do not always happen with a warning.

To put it simply auto insurance helps

• Pay for medical or any repairing bills when involved in an accident.
• Protect from underinsured/uninsured motorists.
• Pay for repairing damages as a result of theft, a natural disaster or vandalism.
• Protect from accident related lawsuits.
• Defend the investment that you have made on your car.

When you buy your auto insurance policy, make sure you know what you are trying to protect and what is the coverage that you are looking for. Not all policies are alike and hence you may not find everything in one policy. You may have to look a while to get the right policy. It is sensible to wait and find the right policy rather than hurrying in to one.