May 1, 2013
Renter’s insurance 20002 The amount of cars on the road increases each year. As this number goes up, the chances of a car collision will also increase. The difference between a little bother and major obstacle can be the car insurance you have purchased. How can you determine what insurance you need and how to buy it? Auto insurance provides you with protection from covering the cost of injury or damage you cause others while driving your car, damage to your car or personal injury or injury to your passengers from an accidents, and specific other occurrences, such as burglary. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. If you are sued, it also pays your defense and court costs. Recommended, higher levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the accident. It is commonly referred to as no-fault coverage. State government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving without having the proper amount of insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased.