| Auto Insurance St. Charles IL There are more cars and drivers hitting the road every year. With so many vehicles on the road, accidents will happen. Automobile insurance can be the difference between a small setback and a major trial How can you decide what insurance you require and how to buy it? Car insurance protects you by paying for damage caused to your vehicle or another person's vehicle and injury to others, yourself, or your passengers, plus certain other occurrences, such as theft. Auto insurance is mandated 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. Required coverage varies by state/province but usually includes the following: Liability: Liability 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. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. 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: Pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than collision, including 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: 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 coverages, like car rental and emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex 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, research your options and with the guidance of your insurance agent make the decision that best suits you. Vehicle Insurance St. Charles IL |
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