Auto Insurance Every day, nearly 7,000 Americans enter the emergency room with injuries from motor vehicle collisions.*It gets you from point A to point B, but how protected is your automobile? Auto insurance can include property, liability, and medical coverage, depending on your needs and the state in which you reside. You pay a certain amount, referred to as a premium, to the insurance company in agreement with the policy that you and your insurance agent decide upon. Your policy sets forth what the insurance company will or will not cover and how much you will have to pay in the case of an incident.Auto insurance is evaluated on many different factors, including the driver’s history, occupation, gender, the type of vehicle, and more.*“Car Accidents Send 2.5 Million Americans To The Emergency Room Every Year.” Think Progress. October 2014.