There are more cars hitting the road every year. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a small setback and a major trial. But why do you need to own insurance and exactly how much should you buy? Car insurance protects you by covering the cost of damage or injury you cause others while you are driving, damage to your car or personal injury or injury to your passengers from a crash, and certain other situations, such as burglary. By not purchasing insurance, you run the risk of having to pay the total cost of any harm you cause others. Liability: This type of insurance will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. It can also cover your defense and court costs if you are sued. Local laws usually require standard amounts, but higher amounts can be purchased and are very beneficial. 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 may also pay for lost wages, service replacement and funeral costs. 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 and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, such as: * What coverage you choose * The type of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can save you from a financial crisis. Review your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. Condo Insurance 79106
condo insurance Hawkinsville GA The number of cars and drivers on the road increases each and every year. This could lead to an increased likelihood of a car accident for you and your family. Car insurance can be the difference between a minor setback and a major hassle. But why do you need insurance and exactly how much should you buy? Coverage requirements vary by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. If you are sued, it also pays your court costs. Local laws usually mandate minimum amounts, but larger amounts can be purchased and are very beneficial. 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. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a collision. It pays for an insured person’s reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Pays for damages to your car caused by a collision. Comprehensive: Protect your car from damages from other sources when you buy this type of insurance. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without having the proper amount of insurance. This insurance will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance protection. Other types of coverage, like car rental, 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 select * The make and model of the car you drive * Your driving record * Your age, sex and marital status * The place where you live Some have consider auto insurance as a necessary evil, but it can truly rescue you from a financial disaster. Review your needs, research your options, and with the help of your insurance agent, choose the option that fits you best.
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