Billie Sol

There are more cars on the road each year. As this number increases, the possibility of accidents also increases. Car insurance can be the difference between a small inconvenience and a large trial. But why is insurance necessary and just how much should you get? Required coverage varies based on the state/province but usually includes the following: Liability: Liability pays for damages due to bodily injury and damage to property that you have caused. It also covers your defense and court costs if you are sued. State laws usually require minimum amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was at fault in the crash. It is mandated in some states and optional in others. It can also pay for lost earnings, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a crash. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the proper amount of auto insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for auto 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 * Where you live Some have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. Home Insurance Cary

The amount of drivers on the road increases each and every year. This could lead to an increased likelihood of a collision for you and your family. The difference between a small aggravation and major obstacle can be the car insurance you own. How can you decide what insurance you need and how to purchase it? Car insurance protects you by covering the cost of damage caused to your vehicle or another person’s vehicle and injury to others, yourself, or your passengers, plus specific other occurrences, such as robbery. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This type of insurance can pay for the damage that you have caused. These damages might include personal injury, and property damage. If you are sued, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, no matter who was responsible for the collision. It is required in some states and optional in others. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy is purchased, the insured person will receive coverage for necessary medical or funeral expenses. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance covers all damages not caused by a collision. This may include hail damage, vandalism, and robbery. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: *Your selected coverage *Your vehicle’s make and model * Your driving record * Your age, gender and marital status * Where you live Don’t wait around to buy auto insurance; you shouldn’t drive a car without it. Review your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Home Insurance Cary