How Does Auto Insurance Work? | Bantry Pylon Protest

You will see more cars on the road every year. This can lead to a higher possibility of a collision. Automobile insurance can make the difference between a minor inconvenience and a large hassle. But why do you need insurance and just how much should you buy? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Your state or province certainly mandates some type of auto insurance. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. If you are sued, liability insurance will pay for your defense and court costs. State laws usually require standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It can also cover lost wages, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who may be responsible. It pays for an insured person?s necessary medical or funeral expenses resulting from a crash. Collision: Pays for damages to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without having the proper amount of auto insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by another person who does not have the right amount of insurance to cover the full amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: *Your selected coverage *Your vehicle?s make and model * Your driving record * Your age, sex and marital status * The place where you live Some people have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best. State Farm Naperville IL

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