home insurance Berea KY There are more cars on the road every year. With countless vehicles on the road, crashes will happen. Automobile insurance can make the difference between a small setback and a large trial. So how can you find out what type of car insurance you need and how much to buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, no matter who was at fault in the accident. It is required in some states and optional in others. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are breaking the law by driving without purchasing the right amount of auto insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Other types of coverage, such as car rental, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle’s make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people think they can get by without auto insurance, but it is truly something you don’t want to live without. Review your needs, research your options, and with the support of your insurance agency, choose the option that fits you best.
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