state farm insurance Bessemer AL The number of cars and drivers on the road increases each and every year. With the increasing number of vehicles on the road, accidents will happen. Automobile insurance can make the difference between a small setback and a major trial. How can you determine what insurance you require and how to buy it? Auto insurance protects you by covering the cost of damage caused to your car or another person’s car and injury to other people, yourself, or your passengers, and certain other incidents, such as theft. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Local laws usually require minimum amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, no matter who was responsible for the collision. It is required in some states and optional in others. It can also cover lost wages, replacement of services and funeral expenses. Local law usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Pays for damages when an insured person is in a crash caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased.
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