All vehicles driving on public roadways or highways are legally required to be insured. This requirement protects all drivers on the road, which includes you. The number of uninsured drivers have dropped from just a decade or two ago, thanks to well-defined and more keenly enforced laws regarding automobile insurance.

In today’s society if you are going to drive on a public road, you have to have insurance. If you do get into an accident and you do not have insurance, you will be arrested and not only will you face a criminal penalty, you could also be sued. You will be held responsible for financial damages to people and property. This could end up costing you quite a bit of money.

Since we are discussing liability, be aware that if you operate a vehicle, that you are insured under, and have an accident while under the influence of alcohol or drugs, the car insurance company will not cover you in any way. In fact, if the insurance company becomes aware that you were involved in an accident and were under the influence of alcohol or drugs when that accident occurred they will more than likely no longer cover you. Getting behind the wheel intoxicated is negligence and no insurance company pays for negligence of the person they are insuring.

Third party policies are available to consumers from every car insurance company. If you have been found at fault for damage resulting from and accident, or injury from an accident, you need coverage from a liability policy. Depending on which policy you purchase, you may obtain different levels of coverage. Make sure you thoroughly read your policy and understand what it says because anything not specifically covered by the policy is something that you will have to pay for out of your own pocket.

It is mandatory to have at least third party car insurance cover when you take your car on road. This insurance enables you cover the car and the other party in case of damage or injury in an accident whereas you are not covered! Nevertheless, even if you happen to use a costly car fitted with trendy stereo sets, the insurance will serve a good cover against third party, fire or theft. In any case, you have to go in for all-comprehensive auto insurance, of course by parting with good money, to get yourself insured.

Comprehensive coverage is exactly what it says it is: Comprehensive. It covers any damages your vehicle may incur outside of an auto-accident, such as damage by weather, animals, vandalism, or theft. It also covers those damages that are incurred beyond an accident, like hospital expenses for you and your passengers, and in the worst cases it may even cover funeral expenses. Those benefits are in addition to the standard liability expenses, such as coverage for any pedestrians or other drivers who are hurt if you have an accident.

Now that you are thorough with the intricacies of various car insurance policies available to you, you conclude that the only way you save money on insurance is to settle for a third party car insurance. But saving money is one thing and to remain carefree and peaceful about driving is another. You have to make a careful study of the chances of damage or theft to your car or how liable you are to get involved in accidents, before you decide in favor of all-comprehensive auto insurance. Such a policy may appear expensive at the outset, but will again lead to your saving money, in course of time.

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