Why Paying For Car Insurance is Worth Every Penny

Each year, more cars and drivers travel the highways. With so many vehicles on the road, accidents will happen. Automobile insurance can be the difference between a small setback and a major trial. So how do you know what insurance you need and how much to buy? Required coverage varies by state/province but usually includes the following: Pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, it also pays your defense and court costs. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended. Personal injury protection: This is required 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 pay for lost earnings, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person?s reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-insured motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other coverage, such as emergency road service and car rental, is also available.Your auto insurance payments vary by company and will depend on several factors, including: * What coverage you select * The make and model of the car you drive * Your driving record * Your age, sex and marital status and * Where you live Some have come to think of auto insurance as a necessary evil, but it can truly rescue your economic health Evaluate your needs, do your research and with the help of your insurance agent choose the option that best suits you. Car Insurance Corpus Christi TX

Source: http://cspangeek.com/why-paying-for-car-insurance-is-worth-every-penny-4/

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