motorcycle insurance Dresden TN We see more and more cars on the road each year. With so many vehicles on the road, crashes will happen. Car insurance can make the difference between a small inconvenience and a large hassle. But why is insurance required by law and just how much should you buy? Coverage requirements vary by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be covered under liability insurance. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was responsible for the crash. It is sometimes referred to as no-fault coverage. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person’s reasonable medical and funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Other types of coverage, including car rental, are also available. Your auto insurance payments varies based on the 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 * The place where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that best suits you.
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Every year, more cars travel America’s roads. This can lead to an increased likelihood of a collision for you and your family. The difference between a small bother and major pain can be the car insurance you have purchased. So how do you know what insurance you need and how much to buy? Insurance requirements will differ by state/province, but usually include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. If you are in legal trouble, this type of insurance will pay for your legal fees. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated insurance. 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 cover lost earnings, replacement of services and funeral expenses. Local law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who may be responsible. It pays for an insured person’s reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance covers all damages not caused by a collision. This may include flood damage, vandalism, and burglary. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the proper amount of auto insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Other kinds of coverage, including car rental, are also available. Motorcycle Insurance 68137