There are more cars and drivers hitting the road every year. This can lead to a higher possibility of a car accident for you and your family.
The difference between a little bother and major pain can be your insurance. How can you decide what insurance you need and how to purchase it? Coverage requirements vary by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. If you are sued, it also pays your court costs.
Recommended, more comprehensive levels of liability insurance can be purchased 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 other people in your car, no matter who was at fault in the crash. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance covers any damages not caused by a collision. This could include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to cover the total cost of the damages.
Other types of coverage, such as emergency road service and car rental, are also available. What you pay for car insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't be on the road without it. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. auto insurance st charles mo