There are more drivers hitting the road every year. As this number goes up, the chances of a car wreck will also increase. If you get in a car crash, the auto insurance you own can make a big difference in how much you have to pay. But why do you need insurance and just how much do you need? Auto insurance provides you with protection from paying for damage or injury you cause others while you are driving, damage to your vehicle or personal injury or injury to your passengers from a crash, plus certain other incidents, such as theft. No matter where you live, you will need to purchase some variety of auto insurance. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that cover 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. This insurance can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. This insurance will pay for all insured person?s reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, such as emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle?s make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people think they can get by without auto insurance, but it is honestly something you don?t want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you. Auto insurance Oakland
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Posted:January 26, 2013 Saturday at 2:08 pm
Source: http://inwd.org/why-you-need-car-insurance-6/
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