Home Insurance 76016 There are more cars hitting the road each year. With countless vehicles on the road, crashes can happen. Car insurance can be the difference between a minor setback and a large trial. But why is insurance necessary and just how much should you buy? Auto insurance provides you with protection from paying for injury or damage you inflict on others while you are driving, damage to your vehicle or personal injury or injury to your passengers from an accidents, plus specific other incidents, such as theft. Your state or province certainly requires some type of auto insurance. By not owning insurance, you risk having to pay the full cost of any harm or injury you cause others. Liability: It pays for the expenses you are responsible for in a car accident, including injury and property damage. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the accident. It is sometimes called no-fault coverage. It may also cover lost earnings, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may have been at fault. This insurance will pay for all insured person?s necessary medical and funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of coverage. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are breaking the law by driving a car without owning the proper amount of auto insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Other policies, including car rental, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, including: * What coverage you select * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Some have consider car insurance as a necessary evil, but it can truly rescue you from a financial mess. Review your needs, research your options, and with the support of your insurance agency, make the decision that fits you best.
Source: http://www.mspsn.com/different-auto-insurance-policies-2/
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