St Charles State Farm Insurance There are more cars hitting the road each year. As this number increases, the chances of a car wreck will also increase. Car insurance can make the difference between a small inconvenience and a large hassle. So how can you figure out which type of insurance you need and how much to buy? Car accidents can lead to a variety of different expenses, which your car insurance might be able to pay for based on the insurance policy you have purchased. Your state or province certainly requires some type of auto insurance. Choosing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. If you are sued, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was at fault in the collision. It is mandated in some states and optional in others. This insurance can also pay for lost earnings, service replacement and funeral costs. State law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who may have been at fault. This insurance will pay for all insured person?s reasonable medical and funeral expenses resulting from a crash. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased.
Source: http://www.uhanc.org/types-of-auto-insurance-coverage/
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