Why Paying For Car Insurance is Worth Every Penny ? Billy Roids

By admin on October 21st, 2012 Posted in Auto Insurance

Auto Insurance Hollister CA There are more cars and drivers hitting the road every year. With so many vehicles on the road, crashes will happen. Automobile insurance can be the difference between a small setback and a major hassle. So how do you know what insurance you need and how much to buy? Liability: It 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. It also covers your defense and court costs if you are sued. 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. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical payments: This coverage is available in non-no-fault states; it pays regardless of who may have been at fault. It pays for an insured person?s reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: This pays for damage to your car caused by an accident. Comprehensive: 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 coverages, like car rental and emergency road service, are 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, gender 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 guidance of your insurance agent make the decision that best suits you.

Source: http://billyroids.com/why-paying-for-car-insurance-is-worth-every-penny-16/

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