There are more cars and drivers on the road each year. As this number increases, the chances of a car wreck will also go up. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. How can you decide what insurance you require and how to buy it? Coverage requirements vary by state/province, but usually include the following: Liability: It pays for the expenses you have caused to others in a car collision, including property damage and injury. It also covers your defense and court costs if you are sued.
Local laws usually mandate standard amounts, but larger amounts are available and 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. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: 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 an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages.
Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * What coverage you select * The type of the car you drive * Your driving record * Your age, sex and marital status * The place where you live Many people think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. Auto Insurance Rochester Hills MI