Home Insurance Costa Mesa There are more cars on the road every year. As this number goes up, the chances of a car accident will also go up. If you get in a car wreck, the car insurance you own can make a big difference in the experience you have. How can you determine what type of insurance you require and how to buy it? Coverage requirements vary by state/province, but usually include the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are sued, it also pays your court costs. Local laws usually require standard amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is required 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. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * What coverage you choose * The type of the car you drive * Your driving record * Your age, gender and marital status * Where you live Some people have consider auto insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that fits you best.
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