Insurance and How It Helps You

Car Insurance 77062 There are more drivers on the road each year. This could lead to a higher possibility of a car accident for you and your family. The difference between a small aggravation and large pain can be your insurance. But why do you need insurance and exactly how much should you buy? Mandated coverage varies by state/province but typically includes the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages can include personal injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is required 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. If you buy this type of coverage, you will receive coverage for all types of medical or funeral expenses. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the proper amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from people driving without enough insurance protection. Other types of car insurance, such as car rental, are also available.