renters insurance Gordon GA We see more and more cars on the road every year. This could lead to a higher possibility of a collision. The difference between a small aggravation and large obstacle can be automobile insurance. But why do you need insurance and just how much do you need? Coverage requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. If you are sued, liability insurance can pay for your legal fees. Local laws typically mandate minimum amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person’s reasonable medical or funeral expenses resulting from an accident. Collision: This pays for damages to your car caused by a collision. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This may include flood damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs 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: There are other drivers who 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 policies, like car rental and emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle’s make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don’t procrastinate buying car insurance; you shouldn’t be on the road without it. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that best suits you.