There are more cars hitting the road each year. This can lead to a higher possibility of a car accident. If you get in a car crash, the car insurance you own can make a big difference in the experience you have. So how can you find out what type of car insurance you need and the quantity you should purchase? Car insurance protects you by 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 an accidents, plus certain other incidents, such as theft.
Automobile insurance is mandated by state law. By not purchasing insurance, you risk having to pay the total cost of the harm or injury you cause others. Liability: It pays for the expenses you are responsible for in a car accident, including property damage and injury. If you are in legal trouble, liability insurance can pay for your court costs.
Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is mandated 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. It can also pay for lost earnings, replacement of services and funeral expenses. State government usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who may have been at fault. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance protection.
Other types of coverage, such as emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: * Which policies you select * The type of the vehicle you drive * Your driving record * Your age, gender and marital status * The place where you live Some drivers don't want to pay for car insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. car insurance Fitchburg WI