There are more cars hitting the road each year. As this number increases, the possibility of accidents also increases. If you get in a car crash, the car insurance you own can make a large difference in the experience you have. But why do you need insurance and just how much should you get? Auto insurance protects you by covering the cost of damage or injury you inflict on others while you are driving, damage to your vehicle or injury to you or your passengers from a crash, and specific other occurrences, such as burglary. No matter where you are living, you will need to purchase some type of car insurance. Without insurance, you run the risk of having to pay the total price of the harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This type of insurance can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is required 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. This insurance may also cover lost wages, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a crash. If this type of coverage is purchased, the insured person will receive payment for reasonable medical or funeral costs. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance protection. Other policies, like car rental and emergency road service, are also available. Business Insurance N. Chesterfield VA
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