May 4, 2013
by admin •
Auto Insurance
The number of cars and drivers on the road increases each year. With so many vehicles on the road, crashes will happen. Automobile insurance can be the difference between a small inconvenience and a major hassle. How can you determine what insurance you need and how to buy it? Mandated coverage varies based on the state/province but typically includes the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. If you are sued, liability insurance can pay for your defense and court costs. State laws typically mandate minimum 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 your passengers, no matter who was at fault in the crash. It is occasionally called no-fault coverage. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance takes care of any non-collision damages. This could include hail damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Auto Insurance Grapeville TX