insurance Warrenton VA There are more cars and drivers on the road every year. This could lead to an increased likelihood of a collision for you and your family. If you get in a car accident, the auto insurance you own can make a big difference in what happens next. So how do you know what insurance you need and how much to buy? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. By not owning insurance, you run the risk of having to pay the full price of the harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. It also covers your defense and court costs 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 hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the accident. It is mandated in some states and optional in others. It may also pay for lost earnings, service replacement and funeral costs. State law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the right amount of car insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Other policies, like emergency road service, are also available. Your auto insurance payments vary by company and will depend on multiple factors, including: * Which policies you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don’t wait around to buy auto insurance; you shouldn’t be on the road without it. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that best suits you.
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insurance agent Eureka IL There are more cars and drivers hitting the road each year. As this number goes up, the chances of a car wreck will also go up. If you get in a car wreck, the auto insurance you own can make a large difference in what happens next. But why do you need to own insurance and exactly how much should you buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Automobile insurance is required by state law. Without insurance, you run the risk of having to pay the total cost of any harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: This kind of insurance can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. It can also cover your legal fees 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: This type of insurance pays for all medical treatment for you and other people in your car, no matter who was responsible for the accident. It is occasionally called no-fault coverage. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person’s reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of insurance. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can’t cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: *Your selected coverage *Your vehicle’s make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that best suits you.