Car Insurance and You : : Retro Low-Fi

State Farm Insurance Henderson NV There are more cars and drivers hitting the road every year. With countless vehicles on the road, accidents will happen. The difference between a small bother and major pain can be car insurance. How can you decide what insurance you require and how to buy it? Car insurance protects you by paying for damage caused to your car or another person?s car and injury to others, yourself, or your passengers, and certain other occurrences, such as theft. Auto insurance is required by law in all states and provinces. Choosing to drive without 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. Pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, it also pays your defense and court costs. Higher recommended insurances are available that cover more than the lower, state-mandated insurance. Personal injury protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also pay for lost earnings, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical payments: This coverage is available in non-no-fault states; it pays despite who may have been at fault. It pays for an 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 collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-insured motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other coverage, such as emergency road service and car rental, is also available. Find an Insurance Agent

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