Think of it like a safety net. If something happens to your car, insurance can help pay for the repairs so you don’t have to pay everything yourself.

There are different types, but the main ones are: one that helps pay if you damage someone else’s car or property (liability), one for your own car if you crash (collision), and one for stuff like theft or storms (comprehensive).

The price depends on things like how old you are, if you’ve had any accidents before, and what kind of car you have.

Nope, in most places, you have to have insurance to drive legally. If you’re caught without it, you could get in trouble.

First, make sure everyone’s okay. Then, call the police if it’s serious. After that, you need to tell your insurance company what happened.

You can try to keep your driving record clean, choose a higher deductible, and see if your insurance company offers any discounts.

If you move to a new state or even a new neighborhood, your insurance might change because different places have different rules and risks. You’ll need to update your insurance with your new address.

Choosing a higher voluntary deductible can sometimes lower your insurance premium (the amount you pay for insurance). It’s a way to save money on your premiums, but it means you’ll have to pay more upfront if something happens to your car.

>Take pictures: Use your phone to take pictures of the accident scene, including any damage to your car and the other car(s) involved. >File a claim: Contact your insurance company as soon as possible to report the accident and file a claim. They’ll guide you through the process and tell you what information they need from you. >Review Settlement: Once your claim is processed, your insurance company will either approve your claim and provide compensation or deny it if it doesn’t meet the terms of your policy. Review the settlement offer carefully and ask questions if you’re unsure about anything. >Follow up: Stay in touch with your insurance company and provide any additional information they ask for. They’ll work with you to get your car repaired and handle any other issues related to the claim. >Keep Records: Keep copies of all documents related to your claim, including correspondence with your insurance company, receipts for repairs, and any other relevant information. These records may be helpful in case of future disputes or claims.