Car insurance is essential for a safe car life.

I will explain how to choose auto insurance. I will help you choose the best insurance without waste or effort!

What is the difference between mandatory car insurance and voluntary insurance?

The first thing to keep in mind is that auto insurance includes liability insurance and voluntary insurance.

Automobile liability insurance is insurance that all automobiles are required to purchase. This is to cover the financial burden that the perpetrator must bear to rescue the victims of a car accident. Compensation is only for physical harm to the victim, and there is no compensation for property (car or property) of others, including harm to the victim or the perpetrator himself.

In addition, there is a cap on compensation, up to $ 288,780 for death, $ 385,041 for residual disability, and $ 11,551 for injury. If additional compensation is incurred, the perpetrator will have to pay it.

No matter where you purchase mandatory auto liability insurance, the premium and coverage will not change, but there is no settlement negotiation service. It is not always enough to prepare for an accident.

Voluntary insurance, on the other hand, can cover property damage to the offender himself or others, including the victim.

Depending on the accident, the amount of compensation is usually high, so self-insurance is required

In addition, there are many types of special contracts for voluntary insurance, and coverage varies by insurance company. What to choose, how much reward to give … The points to choose will change depending on the lifestyle of each person.

So what type of car insurance should you choose?