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Auto Insurance

2010-toyota-corolla-4-door-sedan-auto-natl-side-exterior-view_100244633_lHow much auto insurance do I need?

Auto insurance is a collection of different types of policies each of which provide protection for you in different ways.The amount of coverage you need in each category depends on the requirements of the state you live in, and, unfortunately, on the amount you are worth, since you could lose it all in one unfortunate accident. If you don’t have insurance, the state you live in can impound your car. Check out the requirements of your state and the amount of insurance needed to cover your assets before buying insurance.

Types of Auto Insurance

Liability Coverage. Liability Insurance helps cover the liability and expenses incurred when you are at fault in an accident. The money goes to the person you hit. It won’t cover you, anyone in your car or your car.

Bodily Injury Liability (BIL). Bodily Injury Liability (BIL) covers the medical expenses of people injured in an accident when you are at fault. BIL coverage varies in its ability to cover these medical expenses, depending on the policy.

Property Damage Liability. Property Damage Liability pays for damage done to the other car if you’re at fault in an accident. This type of coverage also varies in its ability to cover all the expenses, depending on the policy.

Personal Injury Protection (PIP). Personal Injury Protection covers your and your passengers’ medical expenses after an accident. This type of protection may also cover lost wages if you lose time at work because of your injuries.

Uninsured/Underinsured Motorist Coverage. Uninsured/Underinsured Motorist Coverage pays expenses if you are hit by someone who has no insurance or only minimal insurance. This type of coverage tends to be relatively inexpensive and proves to be really useful if you are in a collision with an uninsured or underinsured driver because it will help cover costs that your health insurance won’t.

Collision Insurance. Collision Insurance covers repairs to your car after an accident. Make sure to go to an auto repair shop that is approved by your insurance agency, or they may not pay for the work done.

Comprehensive Insurance. Comprehensive Insurance covers costs if your car is stolen, damaged through vandalism, floods, fires, and other events other than in an accident. Be aware though that some insurance companies don’t cover all kinds of mishaps. Make sure your policy covers what you expect it to.