Car Insurance Lehigh Achres You will see more drivers on the road each year. This could lead to a higher possibility of a car accident. If you get in a car accident, the car insurance you have can make a big difference in how much you have to pay. So how do you know what type of car insurance you need and the quantity you should buy? Car insurance protects you by covering the cost of damage or injury you inflict on others while you are driving, damage to your vehicle or injury to you or your passengers from a crash, plus certain other incidents, such as robbery. Every state and province mandates automobile insurance by law. Making the decision 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 for which you might be responsible. Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. If you are in legal trouble, this type of insurance can pay for your defense and court costs. State laws typically require standard amounts, but larger amounts are available and very beneficial. Personal Injury Protection: This 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. It may also pay for lost wages, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for an accident. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the right amount of auto insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that can’t pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance 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 select * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think they can get by without car insurance, but it is truly something you don’t want to live without. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that fits you best.
auto insurance Indian Hills The number of cars and drivers on the road increases every year. As this number goes up, the chances of a car collision will also increase. The difference between a small bother and major pain can be the car insurance you have purchased. So how do you know which type of insurance you need and how much to buy? Coverage requirements vary by state/province, but typically include the following: Liability: It pays for the expenses you are responsible for in a car collision, including property damage and injury. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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 may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Other kinds of car insurance, such as emergency road service, can also be purchased.
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