Every year, more cars hit our roads and freeways. As this number increases, the chances of a car collision will also go up. Car insurance can make the difference between a minor setback and a large hassle. How can you decide what insurance you need and how you can purchase it? Car crashes can result in a variety of different expenses, which your car insurance might be able to pay for based on the type of insurance you have purchased. No matter where you are living, you are required to purchase some type of auto insurance. By not owning insurance, you risk having to pay the full price of the harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: It pays for damages due to bodily injury and property damage to others that you have caused. 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 legal fees. Local laws typically require minimum amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is mandated in some states and optional in others. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a collision. This insurance will pay for an insured person?s reasonable medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance takes care of any non-collision damages. This may include weather damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other kinds of car insurance, including emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, including: * Which policies you select * The type of the car you own * Your driving record * Your age, gender and marital status * The place where you live Some people think they can get by without auto insurance, but it is honestly something you don?t want to live without. Review your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. Car insurance Austin
Source: http://savesenn.org/extensive-homeowners-insurance-policies/
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