Paolo Blog ? What Auto Insurance Means to You

There are more cars on the road each year. As this number increases, the chances of a car accident will also go up. The difference between a small bother and major obstacle can be your car insurance. So how can you figure out which type of insurance you need and how much to buy? Insurance requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Local laws usually mandate standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the accident. It is commonly called no-fault coverage. It can also pay for lost earnings, service replacement and funeral expenses. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who may be responsible. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damages to your car caused by a collision. Comprehensive: This type of insurance protection takes care of all non-collision damages. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Other types of car insurance, such as emergency road service and car rental, can also be purchased. State Farm 20616

This entry was posted on Wednesday, March 13th, 2013 at 8:00 am and is filed under Home Security System, Insurance Brokers. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.

Source: http://paoloblog.com/?p=5600

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