| The law requires that anyone who drives a car | | | | ensure that you are fully protected. It is best to |
| must have car insurance. Purchasing car insurance | | | | have at least $500,000 or $1,000,000 liability. This |
| involves buying a policy from an insurance | | | | will make certain that you will be able to cover all |
| provider. The premium you pay depends on a | | | | damages and expenses that you may be |
| number of factors such as age, gender, and the | | | | responsible for paying. |
| make, model, and year of the car. When you look | | | | Comprehensive Coverage: This coverage will |
| for an insurance policy that will provide you with | | | | cover any damage to your car that is not caused |
| appropriate coverage, it is important to | | | | by another driver. Examples include fire, theft, |
| understand the types of car insurance policies | | | | (including car parts) weather damage such as |
| that are available. | | | | hurricanes, floods, hail, ice storm, vandalism, hitting |
| The most common the types of car insurance | | | | a object such as a deer, etc. Comprehensive |
| policies include: | | | | Coverage is optional and is usually purchased for |
| Liability Coverage: This type of insurance is a | | | | vehicles that are worth more than $1000. |
| must-have for every driver. It provides coverage | | | | Deductibles can range from $250, $500, and |
| for accidental physical injury and damage to | | | | $1000. |
| property caused to another person. Physical injury | | | | Collision Coverage: This type of coverage covers |
| damages can be pain and suffering, medical bills, | | | | your car if it is damaged from a collision. For |
| lost wages, and rehabilitation. Property damage | | | | instance, you are covered if you crash into a |
| can be damage caused to another driver's car. | | | | fence or another car. This policy provides |
| State laws determine how much liability coverage | | | | coverage for all damage minus the deductible up |
| you must purchase. States provide a minimum | | | | to the set maximum limit. It has to be an accident |
| set coverage that one must have, but most | | | | such as a collision caused by slippery roads. |
| people protect themselves by purchasing more | | | | Deductibles range from $250, $500, and $1000. |
| liability, however you can always get more | | | | You should get this policy if you have an |
| coverage. The law requires liability coverage | | | | expensive car. |
| because most people do not have the money to | | | | In order to ensure you are fully protected in the |
| compensate another person for an accident. | | | | event of an accident or another car related |
| Most insurance companies will provide coverage | | | | mishap, you need to understand the details of |
| for a maximum limit as outlined in the insurance | | | | each car insurance policy. As well, you must |
| policy. The liability coverage limit can be anywhere | | | | comply with state law regarding the type of |
| from $50,000 to $1,000,000. The amount of | | | | insurance that they mandate for all drivers. To |
| liability coverage you acquire will determine how | | | | avoid unnecessary financial and emotional hardship, |
| much your premium will be. The higher the liability | | | | choose the policy that best meets all of your |
| coverage, the higher the premium will be. Most | | | | needs. |
| experts recommend coverage of 1, 000,000 to | | | | |