2013 Auto insurance checklist.

Every year, more drivers travel our roads and freeways. As this number goes up, the chances of a car accident will also go up. Automobile insurance can make the difference between a small inconvenience and a large hassle. So how do you know which type of insurance you need and how much to buy? Auto insurance provides you with protection from paying for injury or damage you inflict on others while driving your car, damage to your vehicle or personal injury or injury to your passengers from an accidents, and specific other occurrences, such as robbery. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages might include personal injury, and property damage. It also covers your legal fees if you are sued. State laws usually require minimum amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance 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. State government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a crash. If this policy has been purchased, the insured person will receive coverage for necessary medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the right amount of car insurance. Here we need to up the insurance a little (S.U.M) supplemental uninsured or underinsured motorist this can cost as little as $30.00 per year.  This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can’t cover all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of car insurance, including emergency road service, can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, including: * Which policies you choose * The make and model 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 Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that fits you best.

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