Insurance Avondale LA The amount of drivers on the road increases each and every year. With the increasing number of vehicles on the road, accidents are going to happen. Car insurance can be the difference between a minor setback and a major trial. But why do you need to own insurance and exactly how much should you buy? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or 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. If you are in legal trouble, it also pays your defense and court costs. Recommended, higher levels of liability insurance can be purchased that take care of 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. This insurance may also cover lost wages, replacement of services and funeral costs. Local law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this type of coverage is purchased, the insured person will receive payment for all types of medical or funeral costs. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have enough liability insurance to cover the full amount of the damages. Other types of coverage, such as car rental and emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best.
