Fab Feminist

car insurance Ferndale MI We see more drivers on the road each year. With the increasing number of vehicles on the road, crashes can happen. If you get in a car wreck, the car insurance you own can make a big difference in how much you have to pay. So how do you know what type of car insurance you need and how much to buy? Car crashes can result in a variety of different expenses, which your car insurance can pay for based on the insurance policy you have purchased. Without insurance, you run the risk of having to pay the total cost of any harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. It can also cover your legal fees if you are sued. Local laws usually mandate minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. 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. This insurance may also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for an accident. It pays for all insured person’s reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: This pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the full cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. 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 * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don’t procrastinate buying car insurance; you shouldn’t be on the road without it. Review your needs, research your options, and with the support of your insurance agency, choose the option that best suits you.