There are more cars and drivers on the road every year. This could lead to a higher possibility of a car accident. The difference between a little bother and major pain can be the car insurance you have purchased. But why do you need insurance and just how much should you buy? Insurance requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This 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 typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person’s reasonable medical or funeral expenses resulting from a crash. Collision: This pays for damage to your car caused by an accident. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include hail damage, vandalism, and burglary. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without sufficient insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The type of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some drivers may not want to pay for auto insurance, but it is honestly something you don’t want to live without. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you. Insurance Agency Miami FL
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There are more drivers hitting the road each year. As this number goes up, the chances of a car wreck will also go up. The difference between a little bother and major obstacle can be automobile insurance. So how can you figure out what insurance you need and how much to buy? Car crashes can lead to a variety of different expenses, which can all be paid for based on the type of insurance you own. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. If you are sued, liability insurance will pay for your legal fees. Local laws usually require minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, regardless of who was responsible for the crash. It is mandated in some states and optional in others. It may also cover lost wages, service replacement and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for reasonable medical or funeral costs. Collision: This pays for damages to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance covers you from those drivers. Other types of car insurance, such as emergency road service and car rental, can also be purchased. What you pay for car insurance varies based on the 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 * The place where you live Some people have come to think of car insurance as a necessary evil, but it can truly save you from a financial mess. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Home Insurance Cary
car insurance Monroe MI Each year, more cars hit the highways. This can lead to a higher possibility of a collision for you and your family. Automobile insurance can be the difference between a minor setback and a large hassle. But why do you need to own insurance and just how much should you buy? Car accidents can result in a variety of different expenses, which your car insurance might be able to pay for based on the insurance policy you own. By not owning insurance, you risk having to pay the total cost of the harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: Liability pays for damages due to bodily injury and property damage to others where you are responsible. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. If you are in legal trouble, it also pays your defense and court costs. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. It can also cover lost wages, replacement of services and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damage to your car caused by a collision. Comprehensive: Protect your car from all non-collision damages when you buy this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without enough insurance coverage. Other types of coverage, including emergency road service and car rental, can also be purchased.