Buying Insurance About More Than Money

auto insurance Creve Coeur MO Every year, more cars hit America’s roads. As this number increases, the chances of a car accident will also go up. The difference between a small aggravation and major pain can be automobile insurance. But why do you need insurance and just how much should you buy? Insurance requirements vary by state/province, but typically include the following: Liability: Pays for the expenses you are responsible for in a car accident, including injury and property damage. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, no matter who was responsible for the accident. It is occasionally referred to as no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive payment for reasonable medical or funeral expenses. Collision: 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 fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the right amount of car insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Many drivers 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 covers you in accidents involving those drivers. Other kinds of car insurance, like emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle’s make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you.