Why You Need Auto Insurance | The Art of Karma

The amount of cars and drivers on the road increases every year. As this number increases, the possibility of accidents also increases. If you get in a car crash, the auto insurance you own can make a large difference in what happens next. How can you decide what insurance you require and how to purchase it? Insurance requirements will differ by state/province, but usually include the following: Liability: It pays for the expenses you have caused to others in a car collision, including injury and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This is mandated 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. It may also cover lost earnings, replacement of services and funeral costs. Local government usually sets minimum amounts. 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. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the proper amount of car insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without enough insurance protection. Other types of coverage, including car rental, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: * What coverage you select * The type of the car you own * Your driving record * Your age, sex and marital status * The place where you live Some drivers 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 agent, choose the option that best suits you. Motorcycle Insurance Vancouver Wa

Source: http://theartofkarma.com/why-you-need-auto-insurance-2/

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