The amount of drivers on the road increases every year. With countless vehicles on the road, crashes are going to happen. Car insurance can be the difference between a small setback and a large trial. But why do you need insurance and exactly how much should you purchase? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. Electing 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: Liability pays for the expenses you have caused to others in a car collision, including property damage and injury. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs and loss of use of property. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the crash. It is mandated in some states and optional in others. It can also pay for lost wages, replacement of services and funeral expenses. Local government typically sets minimum amounts. 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. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damages to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have insurance. 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. Other kinds of car insurance, like emergency road service, can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, including: * What coverage you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Renters Insurance 60654
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