The amount of cars and drivers on the road increases each year. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the auto insurance you own can make a large difference in how much you have to pay. How can you determine what insurance you require and how to buy it? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the lower, state-mandated varieties. 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. It may also pay for lost wages, service replacement and funeral expenses. Local law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for an accident. If this type of coverage has been bought, the insured person will receive payment for necessary medical or funeral expenses. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Other policies, like car rental and emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple factors, including: * What coverage you choose * The type of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Many people may not want to pay for auto insurance, but it is truly something you don’t want to live without. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Auto Insurance Columbia MO
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