Simply stated, auto insurance is a contract between you and your insurance company that protects you against financial loss if you have an accident. Auto policies contain a variety of coverages that can be purchased depending on your needs and wants. You agree to pay the premium, and in return, the insurance company agrees to pay for certain expenses as defined in your policy.
The department has put together a list of resources to help answer your questions and help you understand your options. Feel free to browse the following publications and resources. For a complete list of consumer brochures and fact sheets, you may click here.
New WreckCheck App for Smartphones - The NAIC has developed WreckCheck, a new, free mobile app for iPhone® and Android® smartphones. The new app outlines what to do immediately following an accident and walks users through a step-by-step process to create their own accident report. The app directs them to capture photos and helps document and share only what is necessary to file an insurance claim. Users can even email their completed reports to themselves and their insurance agents. Here's a video demonstrating how it works.
Other Resources - Here are additional resources that may be helpful to you.