Auto Insurance New Braunfels TX Each year, more automobiles and drivers travel America’s roads. With countless vehicles on the road, accidents can happen. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. But why do you need to own insurance and exactly how much should you purchase? Car accidents can lead to many different expenses, which your car insurance can pay for based on the type of insurance you own. No matter where you are living, you are required to purchase some type of auto insurance. By not owning insurance, you risk having to pay the total cost of any harm or injury you cause others. Liability: This type of insurance can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. If you are in legal trouble, liability insurance will pay for your defense and court costs. State laws typically mandate minimum amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was responsible for the crash. It is required in some states and optional in others. It can also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may be responsible. If you purchase this type of coverage, you will receive coverage for all types of medical or funeral costs. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: *Your selected coverage *Your vehicle’s make and model * Your driving record * Your age, gender and marital status * The place where you live Some people have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best.
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