Luther Records

Buying Insurance About More Than Money

Every year, more cars and drivers hit America's roads. With countless vehicles on the road, crashes can happen. If you get in a car wreck, the auto insurance you own can make a big difference in how much you have to pay. So how can you figure out which type of insurance you need and how much you should buy? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Every state or province requires automobile insurance by law. By not owning insurance, you risk having to pay the total price of the harm you cause others. Liability: This type of insurance can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are in legal trouble, it also pays your defense and court costs. Local laws usually mandate standard amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was at fault in the crash. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without sufficient insurance protection. Other types of coverage, including car rental, are also available. State Farm Agent Clermont

Theme author: http://thememotive.com. Engine: http://wordpress.org.