car insurance Hollywood CA There are more cars hitting the road each year. As this number goes up, the chances of a car collision will also increase. If you get in a car wreck, the auto insurance you own can make a big difference in what happens next. But why do you need insurance and just how much should you buy? Insurance requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the collision. It is sometimes referred to as no-fault coverage. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a crash. This insurance will pay for all insured person?s reasonable medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of coverage. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without enough insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, including: * What coverage you choose * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you.
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