May 6, 2013
Insurance Suffolk County NY There are more cars and drivers hitting the road every year. As this number goes up, the chances of a car accident will also go up. Car insurance can make the difference between a small setback and a major hassle. But why do you need insurance and just how much do you need? Coverage requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. If you are sued, this type of insurance can pay for your defense and court costs. Local laws typically mandate minimum amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection 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 referred to as no-fault coverage. It can also pay for lost wages, service replacement and funeral costs. Local law typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a collision. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance protection covers any non-collision damages. This could include weather damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without sufficient insurance coverage. Other types of coverage, including car rental, can also be purchased.