Ikhnaton 2 | Different Auto Insurance Policies

There are more cars hitting the road each year. This could lead to an increased likelihood of a car accident. The difference between a little bother and large obstacle can be your insurance. So how can you find out what insurance you need and the quantity you should buy? Insurance requirements vary by state/province, but typically include the following: Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated varieties. 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. It can also pay for lost earnings, service replacement and funeral expenses. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive payment for all types of medical or funeral expenses. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving a car without owning the right amount of insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance protects you from those drivers. Other kinds of car insurance, like emergency road service and car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle?s make and model * Your driving record * Your age, sex and marital status * Where you live Don?t wait around to buy car insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Auto insurance Oakland

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