Why you need auto insurance

Each year, more cars and drivers hit the highways. With so many vehicles on the road,

crashes will happen. Automobile insurance can be the difference between a minor inconvenience and a major hassle. But why do you need insurance and just how much should you buy?Auto insurance protects you by paying for damage or injury you cause others while driving your car, damage to your car or injury to you or your passengers in your car from a crash, plus certain other occurrences, such as theft.

Auto insurance is required by law in all states and provinces. Without insurance, you risk having to pay the full cost of any harm you cause others or of repairing or replacing your car if it is damaged or stolen.

Coverage requirements vary by state/province but usually include the following:

Liability

It 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. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended.

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. State law usually sets minimum amounts.

Medical payments

This coverage is available in nonno fault states; it pays regardless of who may have been at fault. It pays for an insured person's reasonable and

erage, such as emergency road service necessary medical and funeral expenses

and car rental, are also available. for bodily injury from a crash.

What you pay for auto insurance

Collision will vary by company and will depend

on several factors, including:

This pays for damage to your car

•What coverage you select, caused by collision.

•The make and model of

Comprehensive the car you drive,

•Your driving record,

This applies if your car is stolen

•Your age, sex and marital or damaged by causes other than collision,

status and including fire, wind, hail, flood or

•Where you live vandalism.

Many people think of auto insurance

Uninsured motorist as a necessary evil, but it can save

your financial well-being.

This pays damages when an insured

Evaluate your needs, do your research person is injured in a crash

and with the help of your insurance caused by another person who does not

agent make the decision that best have liability insurance or by a person

suits you. who cannot be identified (usually a hitand

Brennan Purdy State Farm Agency run driver).

is conveniently located in Dolan Plaza,

Underinsured motorist downtown Bethel.

If you would like to find out more

This pays damages when an insured

about automobile insurance or if you person is injured in a crash caused

have any questions, please call 798- by another person who does not have

7300 or visit our site: www.brennanpurdy. enough liability insurance to cover the

com. full amount of the damages.Other cov-