Every year, more automobiles and drivers travel our roads and freeways. This could lead to a higher possibility of a collision for you and your family. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. But why do you need to own insurance and exactly how much should you buy? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Without insurance, you risk having to pay the full price of the harm you cause others. Liability: This type of insurance can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. If you are in legal trouble, liability insurance will pay for your defense and court costs. Local laws usually require standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local law usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance protection takes care of all non-collision damages. This may include weather damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the proper amount of car insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other policies, such as car rental and emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, including: * What coverage you select * The type of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people may not want to pay for auto insurance, but it is honestly something you don?t want to live without. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best. State Farm Insurance Mississuaga
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