| ||Your Insurance Policy: Always Working For You |
Each year, more automobiles and drivers hit the highways. With countless cars on the road, accidents will happen. The difference between a small aggravation and major pain can be car insurance. So how do you know what insurance you need and how much to buy? Liability: Pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, it also pays your defense and court costs. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended. Personal injury protection: This is required 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. It may also cover lost earnings, replacement of services 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 pays despite who may have been at fault. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: Pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-insured motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other coverage, such as emergency road service and car rental, is also available.