Car Insurance East Moline You will see more and more cars on the road each year. With so many vehicles on the road, accidents will happen. If you get in a car accident, the car insurance you have can make a large difference in how much you have to pay. But why do you need insurance and just how much do you need? Car accidents can result in many different expenses, which can all be paid for based on the insurance policy you own. Every state or province requires automobile insurance by law. By not purchasing insurance, you run the risk of having to pay the total cost of the harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: This type of insurance will pay for the damage that you have caused. These damages may include personal injury, and property damage. If you are sued, this type of insurance can pay for your legal fees. State laws usually mandate minimum amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, no matter who was responsible for the crash. It is sometimes referred to as no-fault coverage. It can also cover lost earnings, service replacement and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for all insured person’s reasonable and necessary medical or funeral expenses resulting from a crash. Collision: This pays for damages to your car caused by an accident. Comprehensive: This type of insurance covers all damages not caused by a collision. This may include flood damage, vandalism, and robbery. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without enough insurance coverage. Other kinds of coverage, like emergency road service, are also available.
Auto Insurance Fort Myers There are more cars and drivers on the road every year. As this number increases, the chances of a car accident will also go up. The difference between a little bother and major obstacle can be your car insurance. How can you decide what type of insurance you need and where you should go to buy it? Insurance requirements will differ by state/province, but usually include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This 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. This insurance may also cover lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy has been purchased, the insured person will receive payment for all types of medical or funeral expenses. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can’t cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other kinds of car insurance, including emergency road service and car rental, can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle’s make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don’t wait around to buy auto insurance; you should never be on the road without it. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you.