Each year, more automobiles and drivers hit the highways. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car wreck, the car insurance you own can make a big difference in what happens next. But why do you need to own insurance and exactly how much should you buy? Coverage requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was at fault in the crash. It is commonly called no-fault coverage. It may also cover lost wages, service replacement and funeral expenses. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who carries responsibility for an accident. If you buy this type of coverage, you will receive coverage for reasonable medical and funeral expenses. Collision: Pays for damage to your car caused by an accident. Comprehensive: Cover your car from damages from other sources when you buy this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This type of coverage will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who 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 from those drivers. Other types of coverage, like car rental, are also available. Car Insurance Livermore CA
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