There are more cars on the road every year. As this number increases, the possibility of accidents also increases.
If you get in a car wreck, the car insurance you have can make a large difference in how much you have to pay. But why do you need insurance and just how much should you buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs.
Without insurance, you run the risk of having to pay the total cost of any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This kind of insurance can pay for the damage that you have caused. These damages might include bodily injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, liability insurance can pay for your legal fees.
Local laws typically mandate minimum amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This 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. It can also pay for lost earnings, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may be responsible. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the proper amount of insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance protection.
Other types of car insurance, such as emergency road service, can also be purchased. auto insurance bemidji mn