auto insurance Lafayette Hill PA There are more cars and drivers on the road every year. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the car insurance you own can make a big difference in the experience you have. So how can you find out what type of car insurance you need and how much to purchase? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including weather damage 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 insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance protection. Other kinds of coverage, such as emergency road service and car rental, are also available.
Source: http://www.uhanc.org/auto-insurance-lafayette-hill/
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