GLHFCasting ? What is Car Insurance?

There are more cars on the road every year. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car crash, the auto insurance you own can make a big difference in what happens next. So how do you know which type of insurance you need and how much to buy? Insurance requirements will differ by state/province, but typically include the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages might include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is mandated in some states and optional in others. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If this policy is purchased, the insured person will receive coverage for all types of medical and funeral costs. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. 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 multiple factors, such as: * Which policies you choose * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people don?t want to pay for auto insurance, but it is truly something you don?t want to live without. Review your needs, research your options, and with the help of your insurance agency, choose the option that best suits you. State Farm Insurance Washington DC

Source: http://www.glhfcasting.com/what-is-car-insurance-41/

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