auto insurance Falmouth ME There are more cars on the road every year. As this number goes up, the possibility of accidents also goes up. The difference between a little aggravation and large pain can be car insurance. So how do you know what type of car insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to car repair costs and loss of property use. If you are sued, it also pays your legal fees. Local laws usually require minimum amounts, but higher amounts can be purchased and are very beneficial. 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. The minimum amount of personal injury protection is usually set by local government. 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. This insurance will pay for an insured person?s reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This could include weather damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the right amount of car insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from people driving without enough insurance protection. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for car insurance 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 * The place where you live Some drivers may not want to pay for auto insurance, but it is truly something you don?t want to live without. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best.
Source: http://kasadekriz.com/auto-insurance-falmouth/
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