What is Auto Insurance?

You will see more drivers on the road every year. This can lead to an increased likelihood of a car accident. The difference between a little bother and large obstacle can be your car insurance. But why is insurance necessary and just how much should you get? Coverage requirements vary by state/province, but usually include the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, this type of insurance can pay for your court costs.

Local laws usually mandate standard amounts, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a collision. This insurance will pay for all insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of insurance. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers.

Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Bloomfield Hills MI