There are more drivers on the road each year. With the increasing number of vehicles on the road, accidents are going to happen. Car insurance can make the difference between a small inconvenience and a large hassle. How can you decide what insurance you need and how you can purchase it? Required coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. If you are sued, liability insurance will pay for your legal fees. State laws typically mandate minimum amounts, but larger amounts are available and usually recommended. 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. This insurance can also pay for lost earnings, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. It pays for all insured person?s reasonable and necessary medical and funeral expenses resulting from a crash. Collision: This pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This may include hail damage, vandalism, and burglary. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the proper amount of auto insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. 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 people don?t want to pay for auto insurance, but it is truly something you don?t want to live without. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. Insurance Mobile AL
Source: http://www.glhfcasting.com/different-auto-insurance-policies-6/
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