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Auto, Motorcycle and RV Insurance

Every year, more automobiles and drivers hit the roads. This can lead to an increased likelihood of a collision. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. So how can you find out what type of car insurance you need and how much to purchase? Auto insurance protects you by paying for injury or damage you inflict on others while you are driving, damage to your car or injury to you or your passengers from an accidents, plus certain other situations, such as robbery. Your state or province definitely mandates some type of auto insurance. Without insurance, you risk having to pay the full cost of any harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This is mandated 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 can also cover lost wages, service replacement and funeral costs. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for reasonable medical and funeral costs. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance coverage. Other kinds of coverage, such as car rental, can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, including: * Which policies you select * The make and model of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some 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 guidance of your insurance agency, choose the option that fits you best.

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