state farm insurance Garfield Heights OH We see more and more cars on the road every year. This could lead to an increased likelihood of a collision. Car insurance can make the difference between a minor setback and a large hassle. But why do you need insurance and just how much do you need? Required coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. If you are in legal trouble, it also pays your defense and court costs. State laws usually mandate standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, no matter who was at fault in the crash. It is required in some states and optional in others. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of coverage, including emergency road service and car rental, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: * Which policies you select * The make and model of the car you own * 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 agency, choose the option that best suits you.
Source: http://www.thewahmspot.com/your-auto-insurance-plan/
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