Every year, more cars hit America’s roads. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the auto insurance you have can make a large difference in what happens next. But why do you need to own insurance and exactly how much should you purchase? Coverage requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy has been purchased, the insured person will receive payment for reasonable medical or funeral expenses. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance covers all damages not caused by a collision. This may include fire damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the right amount of insurance. This type of coverage will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against people driving without sufficient insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired 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 drive a car without it. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. State Farm Insurance Denver
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There are more drivers on the road each year. With so many vehicles on the road, accidents will happen. Car insurance can be the difference between a small inconvenience and a major hassle. But why do you need insurance and just how much should you buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. If you are sued, this type of insurance will pay for your defense and court costs. Local laws typically require minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, no matter who was responsible for the collision. It is sometimes called no-fault coverage. It may also pay for lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If this policy has been purchased, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection takes care of all non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the right amount of auto insurance. This type of coverage will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without enough insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. Renters Insurance Wixom MI
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