Each year, more automobiles and drivers hit the highways. As this number increases, the chances of a car wreck will also increase. If you get in a car crash, the auto insurance you own can make a big difference in what happens next. How can you determine what insurance you require and how you can purchase it? Required coverage varies by state/province but usually includes the following: Liability: It pays for damages due to personal injury and property damage to others that you are responsible for. It can also cover your legal fees if you are sued. State laws usually mandate minimum amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is required 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. This insurance can also cover lost wages, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against drivers without enough insurance protection. Other kinds of car insurance, including emergency road service, are also available. Your car insurance payments vary by company and will depend on several factors, including: * Which policies you choose * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can save you from a financial crisis. Review your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. Car Insurance Silver Lake CA
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