What are the main parts of car insurance?

"How does car insurance work? I'm 16, live in Ohio, and I plan on getting my license, but I don't really understand how car insurance works."

Answer provided by
Sophie Newman
Answered on Jul 28, 2021
Sophie Newman is a writer from California. Her hobbies include brewing her own kombucha, riding horses, and taking long road trips.
“The basic idea behind car insurance is that you pay small amounts of money regularly in exchange for protection in the event of a huge loss.
If you get in an accident, whether it’s your fault or not, your car insurance company can help pay for the damages.
The most basic form of coverage is liability car insurance, which is required in most states.
Other common types of car insurance include:
  • comprehensive
  • collision insurance”

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