Auto Insurance Columbus OH There are more drivers hitting the road every year. As this number goes up, the chances of a car accident will also increase. If you get in a car wreck, the car insurance you own can make a big difference in what happens next. So how can you figure out what insurance you need and how much you should buy? Car insurance provides you with protection from paying for damage or injury you cause others while you are driving, damage to your vehicle or personal injury or injury to your passengers from a crash, plus certain other occurrences, such as burglary. Every state and province mandates automobile insurance by law. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages include medical expenses, and lost wages. Property damage includes 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 take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the accident. It is commonly referred to as no-fault coverage. This insurance may also pay for lost earnings, replacement of services and funeral costs. State government typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance covers all non-collision damages. This could include fire damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other kinds of coverage, such as emergency road service, can also be purchased.
San Jose car insurance State Farm® is the perfect place to protect you and your family. To look over all your options for policies, call a State Farm® agent now. With many customer-friendly options available, State Farm® Insurance has helped numerous people with their insurance needs. Along with our professional State Farm® agents, our customers also receive 24-hour customer service, a dedicated customer management system, and tech tools like the State Farm® app. With over 40 million policy holders, it’s critical to maintain a high level of service. By working with State Farm® Insurance, our clients can always feel protected by their insurance provider.