Extensive Insurance Coverage

Insurance 53215 The number of cars on the road increases each year. As this number goes up, the chances of a car collision will also go up. Car insurance can make the difference between a minor inconvenience and a major trial. So how do you know what insurance you need and how much to buy? Mandated coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. If you are sued, liability insurance can pay for your defense and court costs. Recommended, higher levels of liability insurance can be purchased that cover more than the lower, state-mandated insurance. 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. It can also cover lost earnings, service replacement and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who may have been at fault. If this policy has been bought, the insured person will receive coverage for reasonable medical and funeral costs. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance protection takes care of all non-collision damages. This may include hail damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other policies, including emergency road service, are also available. Your auto insurance payments vary by company and will depend on multiple factors, including: * What coverage you choose * The type of the vehicle you own * Your driving record * Your age, gender and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that best suits you.