auto insurance Machesney Park IL The number of cars and drivers on the road increases each and every year. This could lead to a higher possibility of a car accident for you and your family. Car insurance can make the difference between a minor inconvenience and a major trial. How can you decide what insurance you need and how you can buy it? Required coverage varies by state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. It also covers your legal fees if you are sued. State laws typically mandate standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is mandated in some states and optional in others. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the right amount of car insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other policies, including car rental, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: * Which policies you select * The type of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don’t procrastinate buying car insurance; you should never drive a car without it. Review your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best.
↧