Home Insurance Kent WA Every year, more cars travel our roads and freeways. With countless vehicles on the road, accidents can happen. If you get in a car wreck, the auto insurance you own can make a big difference in how much you have to pay. But why do you need insurance and exactly how much should you buy? Required coverage varies by state/province but typically includes the following: Liability: It pays for expenses due to bodily injury and damage to property that you have caused. If you are in legal trouble, it also pays your court costs. State laws typically mandate minimum amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is sometimes referred to as no-fault coverage. It may also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available 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 bought, the insured person will receive coverage for all types of medical or funeral costs. Collision: Pays for damage to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from people driving without enough insurance protection. Other policies, including car rental and emergency road service, are also available. What you pay for car insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle?s make and model * Your driving record * Your age, sex and marital status * The place where you live Many people think they can get by without auto insurance, but it is truly something you don?t want to live without. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you.
Source: http://www.mannyw.com/your-auto-insurance-plan/
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