State Farm Glendale AZ There are more cars and drivers hitting the road each year. As this number increases, the possibility of accidents also increases. If you get in a car accident, the car insurance you own can make a large difference in the experience you have. But why do you need insurance and just how much should you get? Mandated coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. If you are in legal trouble, this type of insurance can pay for your legal fees. State laws typically require standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance 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. State government typically sets minimum amounts. Medical Payments: This type of coverage is available 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 covered under this type of coverage. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against drivers without enough insurance protection. Emergency road service, car rental, and other varieties of car insurance can also be purchased.
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