Minneapolis Car insurance We see more and more drivers on the road every year. This can lead to a higher possibility of a car accident. If you get in a car crash, the auto insurance you own 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? Insurance requirements vary by state/province, but typically include the following: Liability: Liability pays for damages due to bodily injury and property damage to others that you are responsible for. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property and loss of property use. It can also cover your legal fees if you are sued. State laws typically mandate minimum amounts, but larger amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the collision. It is mandated in some states and optional in others. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a collision. It pays for an insured person’s reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the right amount of insurance. This type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Other types of coverage, such as emergency road service, are also available. Your car insurance payments vary by company and will depend on several factors, such as: *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 Many drivers may not want to pay for auto insurance, but it is honestly something you don’t want to live without. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that fits you best.
Auto Insurance Alaska The number of cars on the road increases each and every year. With so many vehicles on the road, accidents will happen. The difference between a small aggravation and major obstacle can be the car insurance you own. How can you determine what insurance you require and how to purchase it? Mandated coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. It can also cover 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 extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the collision. It is mandated in some states and optional in others. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person’s reasonable medical or funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be paid for 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: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by another person who does not have enough liability insurance to cover the total amount of the damages. Other policies, including emergency road service, are also available.