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The FarReaching Benefits of Your Insurance Policy

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There are more cars on the road each year. This could lead to a higher possibility of a car accident for you and your family. The difference between a little aggravation and large obstacle can be car insurance. But why do you need insurance and just how much should you buy? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. Your state or province certainly mandates some type of car insurance. By not owning insurance, you risk having to pay the full cost of the harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. It may also cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a collision. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damages to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the proper amount of insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in an accident caused by a driver who does not have enough liability insurance to cover the total amount of the damages. Other types of coverage, such as car rental, are also available. Jamie Morgan


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