Different Car Insurance Policies
Every year, more cars and drivers are on the roads. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a minor setback and a large hassle. How can you determine what insurance you require and how to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees.
Every state or province mandates car insurance by law. Without insurance, you risk having to pay the total cost of any harm you cause others. Liability: This type of insurance can pay for the damage that you have caused. These damages can include personal injury, and property damage. It can also cover your defense and court costs if you are sued.
Recommended, more comprehensive levels of liability insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, no matter who was responsible for the crash. It is required in some states and optional in others. It may also cover lost wages, replacement of services and funeral costs. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This type of insurance covers any damages not caused by a collision. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the proper amount of insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to cover the total cost of the damages.
Emergency road service, car rental, and other types of coverage can also be purchased. state farm lafayette in