Monday, October 8, 2012

Sarah Lumholdt | Why You Need Auto Insurance

Auto Insurance Point Place OH There are more drivers hitting the road each year. This can lead to a higher possibility of a car accident. If you get in a car wreck, the auto insurance you have can make a big difference in the experience you have. But why do you need insurance and just how much do you need? Required coverage varies by state/province but usually includes the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are sued, liability insurance can pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is required in some states and optional in others. This insurance may also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who carries responsibility for a crash. It pays for all insured person?s reasonable medical and funeral expenses for bodily injury from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include flood damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without enough insurance coverage. Other types of coverage, like car rental, are also available. Your auto insurance payments varies based on the 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, sex and marital status * Where you live Some drivers think they can get by without auto insurance, but it is honestly something you don?t want to live without. Review your needs, do your research , and with the support of your insurance agent, choose the option that best suits you.

Posted in Auto Insurance

Source: http://www.saralumholdt.com/why-you-need-auto-insurance/

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