condo insurance Crestwood KY We see more drivers on the road every year. As this number goes up, the chances of a car accident will also go up. The difference between a little bother and large pain can be the car insurance you own. So how do you know what type of car insurance you need and the quantity you should purchase? Coverage requirements vary by state/province, but typically include the following: Liability: Pays for damages due to personal injury and damage to property that you are responsible for. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was at fault in the accident. It is required in some states and optional in others. This insurance may also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by the state. 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. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other types of car insurance, such as emergency road service, can also be purchased.
Every year, more cars travel America’s roads. With the increasing number of vehicles on the road, accidents are going to happen. The difference between a little bother and major obstacle can be car insurance. So how do you know which type of insurance you need and how much to buy? Auto insurance provides you with protection from paying for injury or damage you inflict on others while you are driving, damage to your vehicle or personal injury or injury to your passengers from a crash, and certain other situations, such as theft. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. If you are sued, this type of insurance will pay for your legal fees. Local laws usually require minimum amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance may also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a collision. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral costs. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Other kinds of car insurance, including car rental, are also available. Condo Insurance Port Orchard WA