There are more cars on the road every year. With so many vehicles on the road, accidents can happen.
If you get in a car wreck, the auto insurance you own can make a big difference in how much you have to pay. So how do you know which type of insurance you need and how much to buy? Car accidents can result in many different expenses, which can all be paid for based on the insurance policy you own.
Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: This type of insurance will pay for the damage that you have caused. These damages might include personal injury, and property damage. If you are sued, liability insurance will pay for your legal fees.
State laws usually mandate standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is occasionally referred to as no-fault coverage. This insurance can also cover lost wages, replacement of services and funeral costs. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for an accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without owning the proper amount of insurance. This type of coverage will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Pays for collision expenses 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, like emergency road service, are also available. Your auto insurance payments vary by company and will depend on several 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 procrastinate buying auto insurance; you shouldn’t be on the road without it. Review your needs, do your research , and with the help of your insurance agency, make the decision that best suits you. State Farm Huntington Beach
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