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There are more drivers on the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the car insurance you own can make a big difference in how much you have to pay. So how can you figure out what insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is mandated in some states and optional in others. It can also cover lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for a crash. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This may include hail damage, vandalism, and theft. Uninsured Motorist: Many drivers are ignoring the law by driving without having the proper amount of insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the total cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: * Which policies you choose * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * The place where you live Don’t procrastinate buying car insurance; you shouldn’t be on the road without it. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. Homeowners Insurance 75071
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home insurance Gunnison CO You will see more cars on the road each year. As this number goes up, the chances of a car accident will also go up. Car insurance can make the difference between a small setback and a major hassle. How can you determine what type of insurance you require and how to buy it? Insurance requirements will differ by state/province, but usually include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are in legal trouble, it also pays your defense and court costs. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also pay for lost wages, service replacement and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance protection. Other policies, including car rental and emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle’s make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some drivers don’t want to pay for auto insurance, but it is truly something you don’t want to live without. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best.