Auto Insurance Lexington There are more cars on the road each year. This can lead to an increased likelihood of a car accident for you and your family. If you get in a car crash, the auto insurance you own can make a large difference in how much you have to pay. But why do you need to own insurance and exactly how much should you purchase? Car crashes can result in many different expenses, which your insurance can pay for based on the insurance policy you have purchased. Without insurance, you risk having to pay the total price of the harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. It also covers your defense and court costs if you are sued. State laws typically mandate standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, no matter who was responsible for the crash. It is sometimes called no-fault coverage. This insurance may also cover lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a collision. This insurance will pay for all insured person’s reasonable medical or funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of insurance. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without having the right amount of insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance protection. Other policies, like car rental and emergency road service, are also available.
Insurance Bridge City LA You will see more and more cars on the road every year. With countless vehicles on the road, crashes will happen. If you get in a car accident, the auto insurance you own can make a big difference in how much you have to pay. How can you decide what type of insurance you require and how to buy it? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Without insurance, you run the risk of having to pay the total cost of any harm or injury you cause others. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the accident. It is occasionally referred to as no-fault coverage. It may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a crash. If you purchase this type of coverage, you will receive coverage for necessary medical or funeral expenses. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the proper amount of insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other policies, including emergency road service, are also available.