Perfect Balance Organics

Different Auto Insurance Policies

There are more cars hitting the road each year. As this number goes up, the chances of a car accident will also increase. The difference between a little aggravation and major pain can be the car insurance you have purchased. So how can you find out what type of car insurance you need and how much to purchase? Coverage requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage includes damaged property and loss of use of property. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, no matter who was at fault in the crash. It is commonly referred to as no-fault coverage. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by a driver 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. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * What coverage you select * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people don't want to pay for auto insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont

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