April 29, 2013
Insurance Avondale LA There are more drivers on the road every year. As this number increases, the possibility of accidents also increases. The difference between a small bother and large obstacle can be your car insurance. 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: Liability pays for damages due to personal injury and damage to property that you have caused. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is commonly referred to as no-fault coverage. Local law typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person’s necessary medical and funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from people driving without sufficient insurance coverage. Other types of coverage, like emergency road service and car rental, can also be purchased.
March 22, 2013
Every year, more cars and drivers are on the roads. This can lead to an increased likelihood of a car accident. Automobile insurance can make the difference between a small inconvenience and a large trial. So how can you find out what insurance you need and the quantity you should buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: It pays for expenses due to personal injury and property damage to others that you are responsible for. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. If you are sued, it also pays your legal fees. Local laws usually mandate standard amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy has been bought, the insured person will receive coverage for necessary medical or funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of coverage. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are breaking the law by driving without owning the proper amount of insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other kinds of car insurance, such as emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle’s make and model * Your driving record * Your age, gender and marital status * Where you live Don’t wait around to buy auto insurance; you shouldn’t drive a car without it. Review your needs, research your options, and with the help of your insurance agent, choose the option that fits you best.Auto Insurance Idaho Falls ID