Mahamud Ran

The number of cars on the road increases each and every year. As this number goes up, the possibility of accidents also goes up. If you get in a car accident, the auto insurance you have can make a large difference in what happens next. So how do you know which type of insurance you need and how much to buy? Insurance requirements vary by state/province, but typically include the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages might include bodily injury, and property damage. If you are in legal trouble, it also pays your defense and court costs. Local laws typically mandate standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This 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. This insurance can also pay for lost earnings, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for all types of medical or funeral costs. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Other types of coverage, like car rental and emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: * What coverage you select * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Some have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Commercial Insurance 46158

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