My WordPress Website ? Car Insurance Basics

Auto Insurance Arlington TX There are more cars and drivers hitting the road every year. With so many vehicles on the road, crashes will happen. The difference between a small aggravation and major obstacle can be automobile insurance. How can you decide what insurance you require and how to buy it? Auto insurance protects you by covering the cost of damage caused to your car or another person?s car and injury to others, yourself, or your passengers, plus certain other occurrences, such as theft. Car insurance is required by law in all states and provinces. Without insurance, you risk having to pay the full price of any harm you cause others or of repairing or replacing your car if it is damaged or stolen.It pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, it also pays your defense and court costs. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended. Personal injury protection: This is required 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 may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical payments: This coverage is available in non-no-fault states; it pays regardless of who may have been at fault. It pays for an insured person?s reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-insured motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other coverages, like car rental and emergency road service, are also available.Your auto insurance payments vary by company and will depend on several factors, including: *Your selected coverage *Your vehicle?s make and model * Your driving record * Your age, gender and marital status and * Where you live Some have come to think of auto insurance as a necessary evil, but it can truly rescue your economic health Evaluate your needs, do your research and with the guidance of your insurance agent make the decision that best suits you. Vehicle Insurance Info

Posted on October 25, 2012 at 4:59 pm

This post is filed under Auto Insurance.

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