What Automobile Insurance Means to You

renters insurance Gordon GA There are more drivers hitting the road each year. As this number increases, the possibility of accidents also increases. If you get in a car crash, the car insurance you own can make a large difference in how much you have to pay. But why is insurance required by law and just how much should you buy? Insurance requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are in legal trouble, this type of insurance will pay for your defense and court costs. State laws typically require minimum amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the collision. It is sometimes called no-fault coverage. This insurance can also cover lost wages, replacement of services and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the proper amount of car insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can’t cover all the expenses they are responsible for. This type of insurance covers you from those drivers. Other policies, like emergency road service, are also available.