Your Insurance Policy Always Working For You
renters insurance Gordon GA We see more and more cars on the road each year. With the increasing number of vehicles on the road, accidents will happen. The difference between a little bother and large pain can be your car insurance. So how do you know what type of car insurance you need and the quantity you should purchase? Car insurance protects you by paying for damage or injury you cause others while you are driving, damage to your vehicle or personal injury or injury to your passengers from a crash, plus specific other situations, such as burglary. Every state or province requires auto insurance by law. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to damaged property or loss of use of property. If you are sued, it also pays your defense and court costs. Local laws usually require standard amounts, but higher amounts are available and 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. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage is available in non-no-fault states; it pays despite who carries responsibility for a crash. This insurance will pay for an insured person’s reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance protection covers any non-collision damages. This could include weather damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can’t cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other types of coverage, including emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, such as: * Which policies you choose * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * The place where you live Some people have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you.