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What Car Insurance Means to You

The number of cars on the road increases each and every year. With countless vehicles on the road, crashes will happen.

If you get in a car wreck, the car insurance you own can make a large difference in what happens next. But why do you need insurance and just how much should you buy? Car crashes can lead to many different expenses, which your insurance might be able to pay for based on the insurance policy you own.

Automobile insurance is mandated by law in all states and provinces. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages may include bodily injury, and property damage. It can also cover your defense and court costs if you are sued.

State laws typically require standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the crash. It is occasionally called no-fault coverage. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who carries responsibility for a collision. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without enough insurance protection.

Other types of coverage, like emergency road service, are also available. Your car insurance payments vary by company and will depend on several factors, such as: * Which policies you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you. state farm lafayette in