The amount of drivers on the road increases every year. This can lead to an increased likelihood of a car accident for you and your family. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. How can you decide what insurance you need and how to purchase it? Car insurance provides you with protection from paying for damage caused to your vehicle or another person’s vehicle and injury to other people, yourself, or passengers in your car, plus specific other situations, such as theft. Deciding to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. If you are sued, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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 the state. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. This insurance will pay for all insured person’s reasonable medical or funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can’t pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, including: *Your selected coverage *Your vehicle’s make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don’t wait around to buy auto insurance; you should never drive a car without it. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Motorcycle Insurance 20148
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