GLHFCasting ? Car Insurance Basics

State Farm Sacramento There are more cars and drivers hitting the road every year. This could lead to a higher possibility of a car accident. If you get in a car accident, the auto insurance you own can make a big difference in how much you have to pay. So how can you find out what insurance you need and the quantity you should purchase? Car accidents can lead to a variety of different expenses, which your car insurance can pay for based on the insurance policy you own. Every state and province requires automobile insurance by law. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Pays for the expenses you have caused to others in a car collision, including injury and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are in legal trouble, this type of insurance can pay for your legal fees. State laws typically require minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the accident. It is mandated in some states and optional in others. State law typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may be responsible. If this type of coverage has been purchased, the insured person will receive coverage for all types of medical and funeral costs. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. 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 an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle?s make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people think they can get by without auto insurance, but it is honestly something you don?t want to live without. Review your needs, do your research , and with the support of your insurance agency, choose the option that fits you best.

Source: http://www.glhfcasting.com/car-insurance-basics-62/

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