Every year, more drivers hit the highways. With countless vehicles on the road, accidents are going to happen. If you get in a car accident, the auto insurance you own can make a big difference in what happens next. But why do you need to own insurance and exactly how much should you purchase? Insurance requirements vary by state/province, but typically include the following: Liability: This kind of insurance will pay for the damage that you have caused. These damages may include bodily injury, and property damage. If you are sued, it also pays your legal fees. Local laws typically require standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, no matter who was at fault in the collision. It is commonly referred to as no-fault coverage. Local government typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who may have been at fault. If this type of coverage is bought, the insured person will receive coverage for reasonable medical or funeral expenses. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, including: * What coverage you choose * The type of the car you drive * Your driving record * Your age, gender and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. Home Insurance Wayne PA
Source: http://www.glhfcasting.com/different-car-insurance-policies-10/
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