Betty D

Each year, more automobiles and drivers are on the highways. As this number increases, the chances of a car wreck will also increase. The difference between a little aggravation and major obstacle can be the car insurance you have purchased. How can you determine what insurance you require and how to buy it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Without insurance, you risk having to pay the full cost of any harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: This type of insurance coverage can pay for the damage that you have caused. These damages can include bodily injury, and property damage. It also covers your defense and court costs if you are sued. State laws usually require minimum amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance 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 this insurance is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a collision. This insurance will pay for an insured person’s necessary medical and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by an accident. Comprehensive: This type of insurance covers all damages not caused by a collision. This could include flood damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without enough insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. Insurance Agents 95363

There are more cars hitting the road each year. This could lead to an increased likelihood of a collision for you and your family. The difference between a small aggravation and large pain can be the car insurance you own. But why do you need to own insurance and just how much should you purchase? Coverage requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are sued, this type of insurance can pay for your legal fees. Recommended, higher levels of insurance can be purchased that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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. This insurance can also cover lost earnings, replacement of services and funeral costs. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased 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 all types of medical or funeral costs. Collision: This pays for damages to your car caused by a collision. Comprehensive: This type of insurance protection takes care of all non-collision damages. This could include weather damage, vandalism, and burglary. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the right amount of auto insurance. This type of coverage will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without sufficient insurance protection. Other policies, including car rental, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle’s make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don’t wait around to buy car insurance; you should never be on the road without it. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. Insurance 69210

Each year, more cars hit our roads and freeways. With countless vehicles on the road, accidents can happen. Car insurance can be the difference between a minor setback and a large hassle. How can you determine what insurance you require and how to buy it? Coverage requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, liability insurance will pay for your court costs. Local laws typically require minimum amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, no matter who was responsible for the collision. It is mandated in some states and optional in others. This insurance may also pay for lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. If you buy this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by another person who does not have insurance. 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 in accidents involving those drivers. Other kinds of coverage, like emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle’s make and model * Your driving record * Your age, gender and marital status * Where you live Many people think they can get by without car insurance, but it is honestly something you don’t want to live without. Review your needs, do your research , and with the support of your insurance agency, choose the option that best suits you. Insurance 75137