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Every year, more cars hit our roads and freeways. This could lead to an increased likelihood of a collision for you and your family. If you get in a car accident, the auto insurance you have can make a large difference in what happens next. But why do you need to own insurance and exactly how much should you buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Every state and province requires car insurance by law. Without insurance, you run the risk of having to pay the total price 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 paid for under this type of insurance. Bodily injury damages include medical fees, and lost wages. Property damage includes damaged property and loss of property use. If you are in legal trouble, this type of insurance will pay for your defense and court costs. Recommended, higher levels of liability insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the crash. It is occasionally referred to as no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy is purchased, the insured person will receive payment for reasonable medical or funeral expenses. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance covers any non-collision damages. This may include fire damage, vandalism, and burglary. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the right amount of auto insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without enough insurance coverage. Other policies, such as emergency road service, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the car you drive * Your driving record * Your age, gender and marital status * Where you live Don’t procrastinate buying auto insurance; you shouldn’t be on the road without it. Review your needs, do your research , and with the help of your insurance agency, make the decision that best suits you. Life Insurance 19446

The amount of cars on the road increases each and every year. With countless vehicles on the road, crashes can happen. If you get in a car accident, the car insurance you own can make a large difference in how much you have to pay. How can you determine what insurance you require and how you can buy it? Mandated coverage varies by state/province but typically includes the following: Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. If you are sued, liability insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the accident. It is mandated in some states and optional in others. State government typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. If you buy this type of coverage, you will receive coverage for necessary medical and funeral costs. Collision: This pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without owning the right amount of car insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without sufficient insurance protection. Other policies, like emergency road service, are also available. What you pay for car insurance varies by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle’s make and model * Your driving record * Your age, sex and marital status * Where you live Many drivers think they can get by without car insurance, but it is honestly something you don’t want to live without. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. Life Insurance 06450