auto insurance 45309 We see more and more cars on the road every year. This could lead to a higher possibility of a car accident. The difference between a little aggravation and major obstacle can be automobile insurance. So how do you know what type of car insurance you need and the quantity you should purchase? Insurance requirements vary by state/province, but typically include the following: Liability: This type of insurance can pay for the damage that you have caused. These damages can include personal injury, and property damage. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is mandated in some states and optional in others. The minimum amount of personal injury protection is typically 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. It pays for all insured person?s necessary medical or funeral expenses resulting from an accident. Collision: This pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving without owning the right amount of auto insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from people driving without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: * What coverage you choose * The type of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some drivers don?t want to pay for car insurance, but it is truly something you don?t want to live without. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that best suits you.
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