insurance agent Montgomery City MO There are more drivers hitting the road every year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a minor setback and a large trial. But why is insurance necessary and just how much should you buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: Pays for expenses due to bodily injury and property damage to others for which you are responsible. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person?s reasonable medical or funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance covers all non-collision damages. This could include flood damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without owning the right amount of auto insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against drivers without enough insurance protection. Other types of coverage, including emergency road service, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle?s make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some have consider car insurance as a necessary evil, but it can truly save you from a financial mess. Review your needs, research your options, and with the help of your insurance agent, choose the option that fits you best.
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