Types of Auto Insurance Coverage - Shoes on Wrong

State Farm Chesterfield Mo We see more cars on the road each year. This can lead to a higher possibility of a car accident. The difference between a small aggravation and large obstacle can be car insurance. But why is insurance required by law and just how much do you need? Coverage requirements vary by state/province, but usually include the following: Liability: Pays for the expenses you have caused to others in a car collision, including property damage and injury. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to damaged property and loss of use of property. It also covers your legal fees if you are sued. State laws usually mandate minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. 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 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. If this type of coverage is purchased, the insured person will receive payment for necessary medical or funeral costs. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the proper amount of auto insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can?t pay for all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Other policies, such as car rental, are also available. Your auto insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle?s make and model * Your driving record * Your age, sex and marital status * The place where you live Many people don?t want to pay for car insurance, but it is honestly something you don?t want to live without. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you.

Source: http://www.shoesonwrong.com/types-of-auto-insurance-coverage/

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