Your Homeowners Insurance Policy Always Working For You
renters insurance Gordon GA Every year, more automobiles and drivers travel the highways. With countless vehicles on the road, crashes can happen. Car insurance can make the difference between a minor setback and a large trial. So how can you find out what insurance you need and how much to purchase? Mandated coverage varies based on the state/province but typically includes the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages might include bodily injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes damaged property or loss of property use. It can also cover your defense and court costs if you are sued. Local laws typically mandate standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was at fault in the accident. It is required in some states and optional in others. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages resulting from a collision will be paid for under this type of 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: Pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Other kinds of coverage, like emergency road service and car rental, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle’s make and model * Your driving record * Your age, sex and marital status * The place where you live Don’t wait around to buy auto insurance; you shouldn’t be on the road without it. Evaluate your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you.