Everything You Need to Know About Auto Insurance ? I keep it off

By admin on October 21st, 2012 Posted in Car and Motorcycle Insurance

Car Insurance Moline IL The amount of drivers on the road increases each and every year. With countless vehicles on the road, crashes can happen. If you get in a car accident, the car insurance you own can make a big difference in what happens next. But why do you need to own insurance and exactly how much should you purchase? Coverage requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. It can also cover your legal fees if you are sued. State laws usually mandate standard amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is occasionally called no-fault coverage. State government usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damages to your car caused by a collision. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This could include hail damage, vandalism, and burglary. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have the right amount of insurance to cover the total cost of the damages. Other types of car insurance, including emergency road service and car rental, can also be purchased.

Source: http://ikeepitoff.com/everything-you-need-to-know-about-auto-insurance-2/

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