auto insurance 38128 There are more drivers hitting the road each year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a minor inconvenience and a large hassle. How can you decide what insurance you require and how to buy it? Mandated coverage varies by state/province but typically includes the following: Liability: Pays for the expenses you have caused to others in a car collision, including property damage and injury. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the crash. It is required in some states and optional in others. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy has been bought, the insured person will receive coverage for reasonable medical or funeral costs. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: This type of insurance covers any non-collision damages. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by a driver who does not have insurance. 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 coverage, like car rental, are also available. What you pay for car insurance varies by company and will depend on several factors, including: * Which policies you choose * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Many drivers don?t want to pay for auto insurance, but it is honestly something you don?t want to live without. Review your needs, do your research , and with the help of your insurance agent, choose the option that best suits you.
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