condo insurance Spanaway WA There are more drivers hitting the road each year. This could lead to an increased likelihood of a collision. Car insurance can make the difference between a minor setback and a major trial. But why do you need insurance and just how much do you need? Car crashes can result in a variety of different expenses, which your insurance might be able to pay for based on the insurance policy you own. Choosing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages might include personal injury, and property damage. If you are in legal trouble, liability insurance can pay for your court costs. Local laws typically require standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: This is mandated 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. Local government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person’s necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This may include weather damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the proper amount of auto insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Other kinds of car insurance, like emergency road service, can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: * What coverage you select * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Don’t wait around to buy car insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you.