condo insurance Rockton IL The number of drivers on the road increases every year. As this number goes up, the possibility of accidents also goes up. If you get in a car accident, the auto insurance you own can make a big difference in how much you have to pay. But why do you need insurance and just how much should you purchase? Car insurance provides you with protection from paying for damage or injury you cause others while driving your car, damage to your car or personal injury or injury to your passengers from a crash, plus specific other situations, such as burglary. By not purchasing insurance, you risk having to pay the total price of any harm or injury you cause others. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. If you are sued, it also pays your defense and court costs. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is mandated in some states and optional in others. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for an accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without having the right amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. Other policies, including emergency road service, are also available.
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