There are more cars hitting the road each year. With so many vehicles on the road, accidents can happen. The difference between a small bother and large pain can be the car insurance you have purchased. But why do you need insurance and just how much should you get? Required coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. If you are in legal trouble, liability insurance will pay for your legal fees. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the collision. It is mandated in some states and optional in others. This insurance can also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the right amount of car insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance coverage. Other policies, including car rental, are also available. What you pay for car insurance varies by company and will depend on multiple 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 * Where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. State Farm Belleville IL
Source: http://surfingdino.com/what-is-auto-insurance-2/
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