insurance agent Sutherlin OR We see more and more cars on the road each year. With the increasing number of vehicles on the road, accidents will happen. The difference between a little aggravation and major pain can be your insurance. How can you determine what insurance you need and how to buy it? Auto insurance provides you with protection from covering the cost of damage caused to your vehicle or another person’s vehicle and injury to other people, yourself, or your passengers, and specific other occurrences, such as burglary. Your state or province definitely mandates some type of car insurance. Without insurance, you run the risk of having to pay the full cost of any harm you cause others. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the lower, state-mandated varieties. 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 may also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection takes care of any non-collision damages. This could include fire damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the right amount of car insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can’t cover all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Other kinds of car insurance, such as emergency road service, are also available.
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