insurance St Clair Shores MI There are more cars hitting the road every year. With countless vehicles on the road, crashes can happen. The difference between a small aggravation and large obstacle can be car insurance. How can you determine what type of insurance you require and where you should go to buy it? Car crashes can lead to a variety of different expenses, which your car insurance can pay for based on the type of insurance you have purchased. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: It pays for damages due to personal injury and damage to property that you are responsible for. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the crash. It is occasionally called no-fault coverage. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who may have been at fault. If you purchase this type of coverage, you will receive coverage for all types of medical or funeral expenses. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased.
Source: http://www.thewahmspot.com/why-you-need-auto-insurance-4/
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