Each year, more cars and drivers are on the highways. This could lead to a higher possibility of a collision. The difference between a little aggravation and major pain can be your insurance. So how do you know what type of car insurance you need and the quantity you should purchase? Car crashes can lead to many different expenses, which your insurance might be able to pay for based on the type of coverage you own.
No matter where you live, you will need to purchase some type of car insurance. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. If you are in legal trouble, it also pays your defense and court costs.
Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the crash. It is required in some states and optional in others. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive coverage for all types of medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers.
Emergency road service, car rental, and other types of car insurance can also be purchased. insurance salem or