Different Auto Insurance Policies | Celeste Bright

The number of drivers on the road increases every year. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car crash, the auto insurance you own can make a large difference in what happens next. How can you determine what insurance you need and how you can purchase it? Required coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are in legal trouble, it also pays your legal fees. State laws typically require standard amounts, but higher amounts can be purchased and are extremely helpful. 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. It may also pay for lost wages, replacement of services and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who may be responsible. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Insurance Etowah TN

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Source: http://celestebright.com/different-auto-insurance-policies-2/

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