State Farm San Marcos CA There are more cars on the road each year. As this number goes up, the chances of a car wreck will also go up. The difference between a small aggravation and large pain can be the car insurance you own. So how can you find out what type of car insurance you need and how much to purchase? Insurance requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. If you are in legal trouble, this type of insurance can pay for your legal fees. State laws usually require minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the collision. It is mandated in some states and optional in others. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive coverage for all types of medical and funeral expenses. Collision: Pays for damages to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance covers you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on multiple 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 * Where you live Don’t wait around to buy car insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the help of your insurance agency, choose the option that fits you best.
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