Sotology ? Auto Insurance and You

Every year, more drivers hit our roads and freeways. As this number goes up, the possibility of accidents also goes up. Car insurance can make the difference between a small setback and a large trial. But why do you need insurance and just how much should you purchase? Your insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. By not owning insurance, you risk having to pay the total cost of the harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This type of insurance will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. 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. This insurance may also pay for lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who carries responsibility for a collision. It pays for all insured person?s reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Many drivers are breaking the law by driving a car without owning the proper amount of car insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance protection. Other types of car insurance, like emergency road service, are also available. Auto insurance Oakland

Source: http://www.sotology.com/auto-insurance-and-you/

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