Car Insurance Basics ? Breaking out the Windows - Like a crazy man

State Farm Insurance Arlington TX Each year, more cars and drivers travel the highways. With countless cars on the road, accidents will happen. The difference between a small aggravation and major obstacle can be automobile insurance. How can you decide what insurance you need and how to buy it? Required coverage varies by state/province but usually includes the following: Liability pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, it also pays your defense and court costs. Higher recommended insurances are available that cover more than the lower, state-mandated insurance. 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. It may also cover lost earnings, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical payments: This coverage is available states that are not considered no-fault; it pays despite who may have been at fault. It pays for an insured person?s reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: This pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-insured motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other coverage, such as emergency road service and car rental, is also available.Your auto insurance payments vary by company and will depend on several factors, including: *Your selected coverage *Your vehicle?s make and model * Your driving record * Your age, sex and marital status and * Where you live Some have come to think of auto insurance as a necessary evil, but it can truly rescue your economic health Evaluate your needs, research your options and with the support of your insurance agent choose the option that best suits you. Insurance Policies

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