Auto Insurance Fort Collins You will see more and more drivers on the road every year. With countless vehicles on the road, crashes can happen. If you get in a car accident, the auto insurance you own can make a large difference in the experience you have. So how do you know what insurance you need and the quantity you should buy? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. By not purchasing insurance, you risk having to pay the total price of any harm or injury you cause others. Liability: Pays for damages due to personal injury and property damage to others that you are responsible for. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, this type of insurance will pay for your legal fees. Local laws typically mandate minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, regardless of who was responsible for the collision. It is sometimes referred to as no-fault coverage. Local government typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the proper amount of car insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, such as emergency road service, are also available.
Source: http://www.sfpis.org/auto-insurance-basics/
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