Auto Insurance: What You Need To Know

Auto insurance is something that every driver needs. But not everyone knows exactly what it’s or how it works. In this blog post, we’ll discuss the basics of auto insurance and answer some of the most common questions about it. So, whether you are a new driver just starting or looking to save money on your current policy, read on for everything you need to know about auto insurance!

What is Auto Insurance?

Auto insurance is a contract between you and an insurance company such as Commercial One Insurance Service in Burlingame CA. You agree to pay the premium, and the insurer agrees to pay for your losses as specified in the policy. The coverage can include damage to your car, medical expenses, legal fees, and more.

How Does Auto Insurance Work?

If you have an accident or your car is damaged in some other way, you will file a claim with your insurance company. If your policy covers the damages, the insurer will pay for them.

What Types of Coverage are There?

There are many different types of coverage available, and the type you need will depend on your situation. Some of the most common types of coverage include:

  • Liability coverage, which pays for damages if you are at fault in an accident
  • Collision coverage, which pays for damage to your car if you are in an accident
  • Comprehensive coverage, which pays for damage to your car from events other than accidents, such as theft or weather damage
  • Medical payments coverage, which pays for your medical expenses if you are in an accident
  • Uninsured/underinsured motorist coverage pays for damages if you are in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.


Auto insurance is an essential part of owning a car. By understanding auto insurance basics, you can ensure you have the coverage you need to protect yourself and your vehicle.

Contact your insurer if you have any questions about your policy or coverage. Commercial One Insurance Service in Burlingame, CA can help if you’re looking for a new auto insurance policy. Contact us today for a free quote.