Each year, more cars travel the highways. As this number increases, the chances of a car wreck will also increase. Automobile insurance can make the difference between a small inconvenience and a large trial. So how can you figure out which type of insurance you need and how much to buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Your state or province definitely requires some type of auto insurance. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was responsible for the crash. It is sometimes called no-fault coverage. It can also cover lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who may have been at fault. It pays for all insured person’s necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This could include hail damage, vandalism, and robbery. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, such as: * Which policies you choose * The type of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Condo Insurance Montgomery AL
condo insurance Centreville VA Every year, more cars and drivers are on the highways. As this number goes up, the possibility of accidents also goes up. The difference between a little bother and major obstacle can be your car insurance. So how do you know what insurance you need and how much to purchase? Coverage requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. It also covers your defense and court costs if you are sued. State laws usually mandate standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, no matter who was responsible for the crash. It is required in some states and optional in others. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who may have been at fault. If you purchase this type of coverage, you will receive payment for reasonable medical or funeral expenses. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance takes care of all non-collision damages. This could include weather damage, vandalism, and theft. Uninsured Motorist: Many drivers are breaking the law by driving without owning the proper amount of auto insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Other types of coverage, like emergency road service, are also available.