renters insurance Gordon GA There are more cars and drivers hitting the road each year. As this number goes up, the possibility of accidents also goes up. The difference between a little aggravation and major pain can be car insurance. So how do you know what insurance you need and how much to purchase? Mandated coverage varies by state/province but typically includes the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages might include bodily injury, and property damage. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the crash. It is occasionally called no-fault coverage. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for an accident. This insurance will pay for an insured person’s reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased.
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The amount of cars and drivers on the road increases each year. This can lead to a higher possibility of a car accident for you and your family. Automobile insurance can make the difference between a small setback and a major hassle. But why do you need to own insurance and exactly how much should you purchase? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. If you are in legal trouble, this type of insurance can pay for your court costs. Local laws typically mandate minimum amounts, but higher 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. It can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. If this policy is purchased, the insured person will receive payment for all types of medical or funeral expenses. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically 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 supposed to take care of. This type of insurance protects you from those drivers. Other types of coverage, such as car rental and emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, including: *Your selected coverage *Your vehicle’s make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. Condo Insurance North Platte NE