There are more drivers hitting the road each year. With the increasing number of vehicles on the road, accidents will happen. Car insurance can be the difference between a minor inconvenience and a large trial. But why is insurance important and just how much do you need? Coverage requirements vary by state/province, but typically include the following: Liability: It pays for damages due to personal injury and property damage to others that you are responsible for. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are in legal trouble, this type of insurance can pay for your legal fees.
State laws typically require minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also cover lost earnings, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the right amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to cover the total cost of the damages.
Emergency road service, car rental, and other varieties of coverage can also be purchased. car insurance 63301