Auto Insurance Lincoln We see more drivers on the road each year. With so many vehicles on the road, crashes can happen. If you get in a car crash, the car insurance you have can make a large difference in the experience you have. How can you decide what insurance you require and how to buy it? Car crashes can result in a variety of different expenses, which your car insurance can pay for based on the insurance policy you own. Car insurance is mandated by law in all states and provinces. By not owning insurance, you run the risk of having to pay the full price of the harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the collision. It is mandated in some states and optional in others. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a collision. If you buy this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance takes care of any non-collision damages. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the right amount of auto 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 supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. 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 * The place where you live Some have come to think of auto insurance as a necessary evil, but it can truly rescue you from a financial mess. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that best suits you.