Car Insurance Maryville MO Every year, more drivers travel our roads and freeways. This can lead to a higher possibility of a collision for you and your family. If you get in a car crash, the auto insurance you have can make a large difference in how much you have to pay. So how do you know which type of insurance you need and how much to buy? Auto insurance provides you with protection from covering the cost of damage or injury you inflict on others while you are driving, damage to your car or injury to you or your passengers from a crash, plus certain other incidents, such as robbery. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are sued, liability insurance can pay for your legal fees. Recommended, higher levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is sometimes called no-fault coverage. It may also pay for lost wages, service replacement and funeral expenses. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person’s reasonable medical and funeral expenses for bodily injury from a crash. Collision: This pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other types of coverage, including 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 car you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you.
↧