State Farm Bridge City LA The number of cars on the road increases every year. With the increasing number of vehicles on the road, accidents will happen. Automobile insurance can make the difference between a small setback and a large trial. How can you decide what insurance you require and how to purchase it? Car accidents can lead to a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. No matter where you live, you will need to buy some type of auto insurance. Without insurance, you risk having to pay the full price of the harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Liability pays for the expenses you have caused to others in a car accident, including property damage and injury. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the accident. It is commonly called no-fault coverage. It can also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who may be responsible. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the proper amount of car insurance. This type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance protects you from those drivers. Other kinds of car insurance, such as emergency road service and car rental, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: * What coverage you choose * The type of the vehicle you own * Your driving record * Your age, sex and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that best suits you.
