The number of cars and drivers on the road increases each and every year. With the increasing number of vehicles on the road, crashes can happen.
If you get in a car crash, the car insurance you have can make a big difference in what happens next. So how do you know which type of insurance you need and how much you should buy? Car crashes can result in a variety of different expenses, which your car insurance can pay for based on the type of insurance you own.
Your state or province certainly requires some type of car insurance. Deciding 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 that you may have caused. Liability: This type of insurance will pay for the damage that you have caused. These damages can include personal injury, and property damage. If you are sued, this type of insurance will pay for your court costs.
Local laws usually mandate minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the collision. It is sometimes called no-fault coverage. It can also cover lost earnings, replacement of services and funeral expenses. Local law usually sets minimum amounts. 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. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This may include hail damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the right amount of car insurance. This type of coverage will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without enough insurance protection.
Other policies, including emergency road service, are also available. Condo Insurance Chantilly VA