Car Insurance Harker Heights There are more cars and drivers hitting the road each year. This can lead to an increased likelihood of a collision. Car insurance can make the difference between a minor inconvenience and a major hassle. So how do you know what type of car insurance you need and the quantity you should buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance will pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that take care of more than the lower, state-mandated varieties. 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. This insurance can also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who may have been at fault. It pays for all insured person’s reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving a car without owning the proper amount of car insurance. This insurance will protect you if one of these irresponsible drivers hit you. 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 total cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle’s make and model * Your driving record * Your age, sex and marital status * Where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the support of your insurance agent, choose the option that fits you best.