state farm insurance Many LA Each year, more automobiles and drivers hit the highways. With the increasing number of vehicles on the road, accidents will happen. If you get in a car crash, the auto insurance you have can make a large difference in the experience you have. How can you decide what type of insurance you require and where you should go to buy it? Car insurance provides you with protection from paying for damage or injury you cause others while driving your car, damage to your vehicle or personal injury or injury to your passengers from a crash, plus certain other occurrences, such as robbery. Automobile insurance is mandated by law in all states and provinces. By not owning insurance, you run the risk of having to pay the total cost of the harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes damaged property or loss of property use. It can also cover your defense and court costs if you are sued. Local laws usually require minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the crash. It is sometimes referred to as no-fault coverage. It can also cover lost wages, service replacement and funeral expenses. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a crash. If you buy this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle’s make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some drivers think they can get by without auto insurance, but it is honestly something you don’t want to live without. Review your needs, do your research , and with the help of your insurance agent, choose the option that fits you best.
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