Car insurance provides protection from losses resulting from owning and operating a car or vehicle. The insurance covers losses to the insured’s property and losses for which the insured is liable as a result of owning or operating a car, said the agent. I asked him, what if I do not have a car insurance, I am involved in an accident that is completely not my fault? Will the party at faults insurance pay for the repairs of my car? Yes, he said. Assuming that unlike you, the “ party at fault” is carrying at least basic liability coverage, his insurance will pay for the damage incurred by their client. However, if the fault for the accident is shared, for example 50-50, then the other drivers insurance will cover his portion  of the damage, but will only cover your portion if the other driver is also carrying uninsured motorist insurance, he briefly explained. Talking about Cheap Auto Insurance Rate, I have learned that it is the factor used to determine the amount, called the premium, to be charged for a certain amount of insurance coverage. Equipped with the knowledge and satisfied with the claims and services. I am fully decided to have my fathers car insured.