Which type of insurance protects against damages from vehicle accidents?

Auto insurance is specifically designed to provide financial protection against damages resulting from vehicle accidents. It typically covers liabilities from accidents that cause injury to others or damage to their property, as well as protecting the insured vehicle itself against collision damage and theft.

This type of insurance is crucial for drivers, as it not only helps mitigate the financial burden of repairs and medical expenses following an accident but also complies with legal requirements in most states, including West Virginia, where drivers must carry a minimum amount of liability coverage.

On the other hand, homeowners insurance focuses on protecting residences and personal property within them against risks like fire, theft, or natural disasters. Life insurance offers financial support to beneficiaries upon the death of the policyholder and does not address vehicle-related incidents. Health insurance is aimed at covering medical expenses incurred due to illnesses or injuries but does not specifically cover damages from vehicle accidents.