There are more cars and drivers on the road each year. With the increasing number of vehicles on the road, crashes will happen. The difference between a little aggravation and major pain can be the car insurance you have purchased. So how can you find out what type of car insurance you need and the quantity you should buy? Required coverage varies based on the state/province but usually includes the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. It can also cover your legal fees if you are sued.
State laws usually mandate standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, no matter who was at fault in the crash. It is required in some states and optional in others. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable medical or funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages.
Other policies, such as car rental, are also available. renters insurance salt lake city