state farm insurance Eugene OR There are more cars hitting the road each year. With countless vehicles on the road, accidents will happen. If you get in a car wreck, the car insurance you have can make a large difference in the experience you have. So how can you find out what type of car insurance you need and how much to buy? Insurance requirements will differ by state/province, but usually include the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Local laws usually require standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was responsible for the accident. It is sometimes referred to as no-fault coverage. Local law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a collision. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral costs. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other types of coverage, including car rental and emergency road service, are also available. Your car insurance payments varies based on the company and will depend on several factors, such as: * What coverage you select * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Some have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you.
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