There are more drivers hitting the road each year. As this number increases, the chances of a car wreck will also go up.
The difference between a small bother and major pain can be car insurance. How can you decide what insurance you need and how to buy it? Mandated coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. It can also cover your legal fees if you are sued.
Local laws typically mandate standard amounts, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is commonly called no-fault coverage. It may also pay for lost wages, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for an accident. This insurance will pay for all insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the right amount of auto insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for damages when an insured person is in a crash caused by another person who does not have enough liability insurance to pay for the full amount of the damages.
Other policies, including emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Don't procrastinate buying car insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. State Farm 64068