There are more drivers on the road each year. As this number increases, the chances of a car collision will also go up. Automobile insurance can make the difference between a minor setback and a large trial. So how can you figure out which type of insurance you need and how much to buy? Coverage requirements will differ by state/province, but usually include the following: Liability: Pays for the expenses you have caused to others in a car collision, including property damage and injury. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, no matter who was at fault in the accident. It is mandated in some states and optional in others. It can also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Pays for damage to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against people driving without enough insurance coverage. Other policies, including car rental, are also available. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. Golf Cart Insurance Clermont
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We're committed to helping you bring back your home from the smoke and fire damage you've dealt with. All of our technicians are trained to offer the highest level of service whenever we respond to an emergency. To learn more about fire restoration company nearby Portland OR, please contact us now!