Every year, more cars and drivers travel the roads. With so many vehicles on the road, accidents can happen. Automobile insurance can be the difference between a small setback and a major hassle. So how do you know what type of car insurance you need and the quantity you should purchase? Car accidents can result in many different expenses, which can all be paid for based on the type of insurance you own.
Without insurance, you run the risk of having to pay the total cost of any harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Liability pays for expenses due to personal injury and property damage to others that you are responsible for. If you are sued, this type of insurance can pay for your legal fees.
Local laws typically require standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the accident. It is sometimes called no-fault coverage. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who may have been at fault. This insurance will pay for all insured person’s reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have enough liability insurance to pay for the full amount of the damages.
Other types of coverage, such as emergency road service, are also available. Irvine Home Insurance