The FarReaching Benefits of Your Insurance Coverage

There are more cars hitting the road every year. With countless vehicles on the road, accidents can happen. If you get in a car wreck, the auto insurance you own can make a big difference in how much you have to pay. So how can you find out what insurance you need and how much to purchase? Car insurance provides you with protection from paying for damage caused to your car or another person's car and injury to other people, yourself, or your passengers, plus certain other situations, such as robbery.

Auto insurance is required by law in all states and provinces. Electing to drive without 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: Pays for the expenses you have caused to others in a car accident, including property damage and injury. If you are sued, it also pays your defense and court costs.

Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the crash. It is required in some states and optional in others. State government typically sets minimum amounts. 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 this type of coverage has been purchased, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Pays for damage to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Pays for damages when a driver with insurance is injured in a crash caused by a driver who does not have enough liability insurance to cover the full cost of the damages.

Other policies, such as car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. home insurance stapleton co