car insurance Ionia MI You will see more drivers on the road each year. With so many vehicles on the road, accidents can happen. If you get in a car crash, the auto insurance you have can make a big difference in the experience you have. But why do you need insurance and just how much do you need? Insurance requirements will differ by state/province, but usually include the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages might include bodily injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of property use. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is mandated in some states and optional in others. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who may be responsible. It pays for all insured person?s necessary medical and funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are breaking the law by driving without having the right amount of insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Other types of coverage, such as car rental, are also available. Your auto insurance payments vary by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle?s make and model * Your driving record * Your age, gender and marital status * The place where you live Many drivers may not want to pay for auto insurance, but it is honestly something you don?t want to live without. Review your needs, do your research , and with the support of your insurance agency, choose the option that best suits you.
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