Perfect Balance Organics

Insurance and What It Means To You

There are more drivers hitting the road every year. This could lead to a higher possibility of a car accident for you and your family. The difference between a little bother and major pain can be the car insurance you own. How can you determine what insurance you require and how to purchase it? Insurance requirements will differ by state/province, but typically include the following: Liability: It pays for expenses due to personal injury and property damage to others that you have caused. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. It can also cover your legal fees if you are sued. State laws typically require standard amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, no matter who was responsible for the accident. It is required in some states and optional in others. This insurance can also pay for lost earnings, service replacement and funeral expenses. State government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may be responsible. This insurance will pay for an insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without owning the right amount of auto insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Insurance Clermont

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