insurance agency Hamden CT There are more cars and drivers hitting the road every year. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car crash, the auto insurance you have can make a large difference in what happens next. How can you determine what insurance you require and how you can purchase it? Coverage requirements vary by state/province, but usually include the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are in legal trouble, liability insurance can pay for your defense and court costs. State laws usually mandate standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also pay for lost wages, replacement of services and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Cover your car from damages from other sources by purchasing this type of coverage. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can’t pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle’s make and model * Your driving record * Your age, gender and marital status * The place where you live Some people may not want to pay for auto insurance, but it is truly something you don’t want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best.
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