Different Auto Insurance Policies ? Billy Roids

By admin on October 18th, 2012 Posted in Insurance

Commercial Insurance Mississauga ON Each year, more cars and drivers travel the roads. With the increasing number of vehicles on the road, crashes will happen. The difference between a little bother and major obstacle can be your car insurance. So how can you find out what insurance you need and the quantity you should purchase? Insurance requirements vary by state/province, but typically include the following: Liability: Liability pays for damages due to bodily injury and damage to property that you have caused. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It can also cover your legal fees if you are sued. Local laws typically require standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who may have been at fault. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection covers any non-collision damages. This may include weather damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can?t pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other types of coverage, like emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, such as: * Which policies you choose * The type of the car you drive * Your driving record * Your age, gender and marital status * Where you live Don?t wait around to buy car insurance; you should never drive a car without it. Review your needs, do your research , and with the help of your insurance agent, make the decision that best suits you.

Source: http://billyroids.com/different-auto-insurance-policies/

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