Your Auto Insurance Plan

There are more drivers on the road each year. This could lead to a higher possibility of a collision. Car insurance can make the difference between a minor setback and a large trial. So how can you find out what type of car insurance you need and the quantity you should purchase? Mandated coverage varies by state/province but usually includes the following: Liability: This type of insurance can pay for the damage that you have caused. These damages may include personal injury, and property damage. If you are sued, this type of insurance will pay for your legal fees.

Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who may be responsible. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the proper amount of car insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance coverage.

Other types of coverage, including emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: * Which policies you choose * The type of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many drivers think they can get by without auto insurance, but it is honestly 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 best suits you. Commercial Insurance Salt Lake City