The FarReaching Benefits of Your Insurance Policy

insurance agency Harrisonville MO The amount of drivers on the road increases each and every year. This could lead to an increased likelihood of a collision for you and your family. If you get in a car wreck, the car insurance you have can make a large difference in what happens next. So how can you figure out which type of insurance you need and how much to buy? Mandated coverage varies by state/province but typically includes the following: Liability: Pays for the expenses you are responsible for in a car collision, including property damage and injury. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are sued, this type of insurance will pay for your defense and court costs. Local laws typically mandate minimum amounts, but larger amounts are available and very beneficial. 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. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for an accident. If this policy is bought, the insured person will receive payment for necessary medical or funeral costs. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance coverage. Other types of coverage, like emergency road service and car rental, are also available.