Index U

Comprehensive Insurance Coverage

There are more cars and drivers on the road every year. As this number goes up, the chances of a car collision will also increase. If you get in a car crash, the auto insurance you own can make a big difference in how much you have to pay. How can you determine what insurance you require and how to buy it? Coverage requirements vary by state/province, but typically include the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the crash. It is sometimes called no-fault coverage. This insurance may also cover lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include flood damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in a crash 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 a driver with insurance is in a crash caused by a driver who does not have enough liability insurance to cover the full amount of the damages. Other kinds of car insurance, such as car rental, can also be purchased. Car Insurance Groveland

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