State Farm Gretna LA We see more drivers on the road each year. This could lead to a higher possibility of a collision. Automobile insurance can make the difference between a minor setback and a large hassle. But why do you need insurance and just how much do you need? Coverage requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. It can also cover your defense and court costs if you are sued. Local laws usually mandate minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the collision. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who may have been at fault. If this type of coverage is purchased, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the proper amount of insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies by 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, gender and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that best suits you.
