Water Damage Clean Up Fayetteville There are more cars on the road each year. With the increasing number of vehicles on the road, crashes can happen. Automobile insurance can be the difference between a minor setback and a large trial. How can you determine what insurance you require and where you should go to buy it? Coverage requirements will differ by state/province, but typically include the following: Liability: It pays for damages due to personal injury and damage to property when you are responsible. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It also covers your legal fees if you are sued. State laws typically require standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage is available in non-no-fault states 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: Pays for damages to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Other kinds of coverage, such as car rental, are also available.
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