There are more cars and drivers hitting the road each year. This can lead to a higher possibility of a collision. Car insurance can make the difference between a minor setback and a large hassle. So how can you find out what insurance you need and the quantity you should buy? Auto insurance provides you with protection from covering the cost of damage caused to your vehicle or another person’s vehicle and injury to others, yourself, or your passengers, plus specific other situations, such as robbery. By not purchasing insurance, you run the risk of having to pay the full cost of any harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs and loss of use of property. If you are sued, liability insurance can pay for your legal fees. Recommended, higher levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This is required 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. 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. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by a driver who does not have enough liability insurance to pay for the total cost of the damages. 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 selected coverage *Your vehicle’s make and model * Your driving record * Your age, sex and marital status * Where you live Many people think of car insurance as a necessary evil, but it can save you from a financial crisis. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Condo Insurance 63010
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