state farm insurance Port Washington WI Each year, more cars and drivers are on the roads. With countless vehicles on the road, accidents will happen. The difference between a little aggravation and major obstacle can be automobile insurance. But why do you need insurance and just how much do you need? Car insurance provides you with protection from covering the cost of damage caused to your car or another person’s car and injury to others, yourself, or your passengers, plus specific other occurrences, such as robbery. Car insurance is mandated by state law. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. It can also cover your legal fees if you are sued. State laws usually require minimum amounts of liability insurance, but larger amounts are available and extremely helpful. 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 crash. It is mandated in some states and optional in others. This insurance may also cover lost earnings, service replacement and funeral expenses. State law usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this type of coverage is purchased, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for damages when an insured person is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from people driving without enough insurance coverage. Other kinds of car insurance, including emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: *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 of car insurance as a necessary evil, but it can save you from a financial fiasco. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best.
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