What Car Insurance Means to You Peter Konig Art

Oct19

Renters Insurance Mobile AL Every year, more cars and drivers hit the highways. With countless vehicles on the road, crashes will happen. Automobile insurance can be the difference between a minor setback and a major hassle. How can you decide what insurance you require and how to buy it? Car insurance protects you by paying for damage or injury you cause others while driving your car, damage to your car or injury to you or your passengers from a crash, and specific other occurrences, such as theft. Car insurance is required by law in all states and provinces. Without insurance, you risk having to pay the total price of any harm you cause others or of repairing or replacing your car if it is damaged or stolen.Liability pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. It also covers your defense and court costs if you are sued. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended. 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 earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical payments: This type of 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 and necessary medical or funeral expenses for bodily injury from a crash. Collision: Pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-insured motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other coverage, such as emergency road service and car rental, is also available.What you pay for auto insurance varies by company and will depend on several factors, including: * What coverage you select * The make and model of the car you drive * Your driving record * Your age, sex and marital status and * Where you live Many people think of auto insurance as a necessary evil, but it can save your financial well-being. Evaluate your needs, research your options and with the support of your insurance agent choose the option that best suits you.

Source: http://peterkonigart.com/what-car-insurance-means-to-you-3/

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