There are more cars and drivers hitting the road every year. With countless vehicles on the road, ac

There are more cars and drivers hitting the road every year. With countless vehicles on the road, accidents will happen. Automobile insurance can be the difference between a minor setback and a major hassle. But why do you need insurance and just how much should you buy? Coverage requirements vary by state/province but usually include the following: It 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. It also covers hawaii prince hotel waikiki your defense and court costs if you are sued. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended. 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 cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. hawaii prince hotel waikiki It pays for an insured person s reasonable and necessary medical hawaii prince hotel waikiki or funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than collision, hawaii prince hotel waikiki including hawaii prince hotel waikiki fire, wind, hail, flood or vandalism. Uninsured motorist: 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: hawaii prince hotel waikiki 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.What you pay for auto insurance varies hawaii prince hotel waikiki by company and will depend on several factors, including: *Your selected coverage *Your vehicle s make and model * Your driving record * Your age, gender and marital status and * Where you live Some have come to think of auto insurance as a necessary evil, but it can truly rescue your economic health Evaluate your needs, do your research and with the guidance of your insurance agent make the decision that best suits you.