insurance company Mandeville LA We see more and more cars on the road every year. With countless vehicles on the road, accidents can happen. The difference between a little aggravation and major pain can be car insurance. But why do you need insurance and just how much do you need? Coverage requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to damaged property and loss of property use. If you are sued, liability insurance can pay for your legal fees. Local laws usually require minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was responsible for the accident. It is commonly referred to as no-fault coverage. It can also cover lost earnings, service replacement and funeral expenses. Local law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. This insurance will pay for all insured person’s reasonable and necessary medical and funeral expenses resulting from a crash. Collision: This pays for damages to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can’t cover all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, including: * What coverage you select * The make and model of the car you drive * Your driving record * Your age, gender and marital status * The place where you live Don’t procrastinate buying auto insurance; you shouldn’t be on the road without it. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that best suits you.
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