condo insurance 94598 There are more cars on the road every year. With countless vehicles on the road, crashes can happen. The difference between a little bother and major pain can be automobile insurance. But why do you need insurance and just how much do you need? Car crashes can result in many different expenses, which your car insurance can pay for based on the insurance policy you have purchased. Your state or province definitely requires some type of auto insurance. Deciding to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: This kind of insurance can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, no matter who was at fault in the crash. It is occasionally called no-fault coverage. It may also pay for lost wages, service replacement and funeral expenses. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a crash. It pays for an insured person’s reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without sufficient insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased.
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