Car Insurance Stone Mountain GA Every year, more automobiles and drivers hit our roads and freeways. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the car insurance you have can make a big difference in what happens next. So how do you know which type of insurance you need and how much you should buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: It pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. If you are sued, liability insurance will pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This 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. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Pays for damages to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the right amount of insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other types of coverage, such as emergency road service, are also available.
Auto Insurance Lexington You will see more and more drivers on the road every year. With the increasing number of vehicles on the road, accidents will happen. The difference between a small bother and major pain can be automobile insurance. So how can you find out what insurance you need and the quantity you should purchase? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Auto insurance is required by state law. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also cover lost wages, service replacement and funeral expenses. State government typically 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. If you purchase this type of coverage, you will receive payment for reasonable medical or funeral expenses. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of insurance. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: * What coverage you choose * The type of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don’t procrastinate buying auto insurance; you shouldn’t be on the road without it. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that fits you best.