| ||car insurance murray ut |
car insurance murray ut Every year, more cars and drivers are on the roads. With the increasing number of vehicles on the road, crashes will happen. If you get in a car accident, the car insurance you have can make a large difference in how much you have to pay. How can you determine what insurance you need and where you should go to buy it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. No matter where you are living, you will need to purchase some type of car insurance. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. It can also cover your defense and court costs if you are sued. State laws typically mandate standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: There are other drivers who 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 protects you from those drivers. Other types of car insurance, such as emergency road service, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, including: * What coverage you select * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Some people have come to think of auto insurance as a necessary evil, but it can truly save you from a financial disaster. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you.