Insurance Westwego LA There are more cars and drivers hitting the road every year. As this number goes up, the chances of a car wreck will also increase. Automobile insurance can make the difference between a minor setback and a major hassle. So how do you know what type of car insurance you need and the quantity you should purchase? Car crashes can result in a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Every state and province requires automobile insurance by law. Without insurance, you risk having to pay the full cost of any harm you cause others. Liability: Pays for expenses due to personal injury and property damage to others where you are responsible. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that take care of 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 responsible for the crash. It is mandated in some states and optional in others. State government usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who may have been at fault. It pays for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the right amount of insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Other policies, like emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The type of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Some people have come to think of auto insurance as a necessary evil, but it can truly save you from a financial disaster. Review your needs, research your options, and with the support of your insurance agency, make the decision that fits you best.
