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Auto Insurance Somerset WI The amount of cars on the road increases every year. With countless vehicles on the road, crashes can happen. If you get in a car wreck, the car insurance you have can make a large difference in how much you have to pay. But why do you need insurance and exactly how much should you buy? Mandated coverage varies by state/province but typically includes the following: Liability: Liability pays for expenses due to personal injury and damage to property where you are responsible. It can also cover your defense and court costs 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: Personal injury insurance is required 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 this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person’s necessary medical or funeral expenses resulting from a crash. Collision: Pays for damage to your car caused by an accident. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance coverage. Other policies, such as car rental, are also available.
Auto Insurance Laguna Niguel There are more drivers hitting the road each year. As this number increases, the chances of a car wreck will also increase. The difference between a little bother and large obstacle can be your insurance. But why do you need to own insurance and exactly how much should you purchase? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Every state or province mandates auto insurance by law. Without insurance, you risk having to pay the full price of any harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: It pays for the expenses you have caused to others in a car accident, including property damage and injury. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who carries responsibility for a collision. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damage to your car caused by an accident. Comprehensive: This type of insurance covers any damages not caused by a collision. This may include weather damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are breaking the law by driving without owning the proper amount of insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for damages 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. Other types of car insurance, such as car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: * Which policies you select * The type of the car you own * Your driving record * Your age, sex and marital status * The place where you live Don’t wait around to buy car insurance; you should never be on the road without it. Evaluate your needs, research your options, and with the guidance of your insurance agent, choose the option that best suits you.