& Mel

Each year, more automobiles and drivers travel the highways. As this number increases, the chances of a car wreck will also go up. The difference between a little bother and major pain can be the car insurance you have purchased. But why is insurance necessary and just how much should you buy? Mandated coverage varies by state/province but typically includes the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. If you are sued, it also pays your court costs. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, no matter who was at fault in the accident. It is mandated in some states and optional in others. This insurance may also cover lost earnings, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive coverage for reasonable medical and funeral costs. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the proper amount of insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can’t cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: *Your selected coverage *Your vehicle’s make and model * Your driving record * Your age, gender and marital status * Where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you. Auto Insurance Lake Havasu City