condo insurance Liberty IN Every year, more cars and drivers travel our roads and freeways. With the increasing number of vehicles on the road, accidents will happen. If you get in a car crash, the auto insurance you have can make a big difference in how much you have to pay. So how can you figure out which type of insurance you need and how much to buy? Insurance requirements will differ by state/province, but usually include the following: Liability: Pays for damages due to bodily injury and damage to property that you have caused. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was responsible for the accident. It is mandated in some states and optional in others. It may also cover lost wages, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may be responsible. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the right amount of auto insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Other types of car insurance, such as car rental, can also be purchased.
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