GLHFCasting ? Types of Auto Insurance Coverage

Every year, more cars travel America?s roads. This can lead to a higher possibility of a car accident for you and your family. The difference between a little aggravation and large obstacle can be your insurance. So how can you figure out what insurance you need and how much to buy? Insurance requirements will differ by state/province, but typically include the following: Liability: It pays for the expenses you have caused to others in a car accident, including property damage and injury. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are sued, it also pays your defense and court costs. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was responsible for the collision. It is commonly referred to as no-fault coverage. Local government typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy is purchased, the insured person will receive coverage for reasonable medical or funeral costs. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance covers all non-collision damages. This may include flood damage, vandalism, and theft. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the right amount of auto insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, such as: * Which policies you choose * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial dilemma. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you. Home Insurance Montclair CA

Source: http://www.glhfcasting.com/types-of-auto-insurance-coverage-7/

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