What Auto Insurance Means to You

Car Insurance Dublin TX Each year, more cars travel the highways. With the increasing number of vehicles on the road, crashes will happen. The difference between a little bother and major obstacle can be automobile insurance. So how do you know what insurance you need and how much you should buy? Car crashes can result in many different expenses, which can all be paid for based on the insurance policy you have purchased. No matter where you live, you will need to purchase some type of auto insurance. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Liability pays for the expenses you are responsible for in a car accident, including property damage and injury. It also covers your legal fees if you are sued. State laws typically mandate minimum amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, no matter who was responsible for the collision. 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 non-no-fault states; it pays despite who may be responsible. If this policy has been purchased, the insured person will receive coverage for all types of medical and funeral costs. Collision: Pays for damages to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: *Your desired coverage *Your vehicle?s make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don?t procrastinate buying auto insurance; you shouldn?t be on the road without it. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best.

Source: http://redfthr.com/what-auto-insurance-means-to-you/

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