condo insurance98087

condo insurance 98087 Each year, more cars and drivers hit the highways. As this number increases, the possibility of accidents also increases. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. But why do you need insurance and just how much should you buy? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Automobile 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 to repair or replace your vehicle if it is damaged or stolen. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. It also covers your defense and court costs if you are sued. State laws usually require minimum amounts of liability insurance, but larger amounts are available and very beneficial. 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. This insurance can also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of coverage. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can’t cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle’s make and model * Your driving record * Your age, gender and marital status * The place where you live Many drivers don’t want to pay for auto insurance, but it is truly something you don’t want to live without. Evaluate your needs, research your options, and with the help of your insurance agency, choose the option that fits you best.