Auto Insurance Virginia Beach There are more drivers hitting the road every year. This can lead to a higher possibility of a collision for you and your family. The difference between a little aggravation and large pain can be your car insurance. How can you decide what insurance you need and how you can purchase it? Required coverage varies by state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. It also covers your legal fees if you are sued. State laws typically mandate standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the accident. It is sometimes called no-fault coverage. It may also cover lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who may be responsible. This insurance will pay for all insured person’s reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the right amount of auto insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: *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 Don’t wait around to buy auto insurance; you should never drive a car without it. Review your needs, research your options, and with the help of your insurance agent, make the decision that fits you best.
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Auto Insurance Watkinsville We see more and more cars on the road each year. With so many vehicles on the road, accidents will happen. Automobile insurance can make the difference between a minor setback and a major hassle. But why do you need insurance and just how much should you buy? Your insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. No matter where you live, you are required to purchase some type of auto insurance. By not owning insurance, you risk having to pay the total cost of the harm or injury you cause others. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. If you are sued, liability insurance can pay for your legal fees. State laws usually require standard amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance 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. This insurance may also pay for lost wages, replacement of services and funeral costs. State government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may have been at fault. This insurance will pay for an insured person’s reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: This pays for damages to your car caused by a collision. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without owning the proper amount of car insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other types of coverage, including emergency road service and car rental, can also be purchased.