Each year, more cars and drivers hit the highways. With countless cars on the road, crashes will happen. Automobile insurance can be the difference between a minor inconvenience and a major hassle. But why do you need insurance and just how much should you buy? Auto insurance protects you by paying for damage or injury you cause others while driving your car, damage to your car or injury to you or your passengers from a crash, and specific other occurrences, such as theft. Every state and province mandates auto insurance by law. Without insurance, you risk having to pay the full cost of any harm you cause others or of repairing or replacing your car if it is damaged or stolen.Liability pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, it also pays your defense and court costs. Higher recommended insurances are available that cover more than the lower, state-mandated insurance. Personal injury protection: This 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. It may also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical payments: This coverage is available in non-no-fault states; it pays despite who may have been at fault. It pays for an insured person?s reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-insured motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other coverage, such as emergency road service and car rental, is also available.Your auto insurance payments vary by company and will depend on several factors, including: *Your selected coverage *Your vehicle?s make and model * Your driving record * Your age, gender and marital status and * Where you live Many people think of auto insurance as a necessary evil, but it can save your financial well-being. Evaluate your needs, do your research and with the support of your insurance agent make the decision that best suits you.
Source: http://www.oic-expo.com/what-car-insurance-means-to-you-4/
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