Auto Insurance Spokane The number of drivers on the road increases each year. With so many 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 what happens next. So how can you figure out what insurance you need and how much you should buy? Mandated coverage varies by state/province but typically includes the following: Liability: Pays for expenses due to personal injury and damage to property when you are responsible. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also pay for lost wages, service replacement and funeral costs. State government typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance takes care of all non-collision damages. This could include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by a driver who does not have insurance. 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 pay for the full amount of the damages. Other types of car insurance, like emergency road service and car rental, are also available.
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