May 6, 2013
by admin •
Car Insurance Quotes
car insurance Traverse City MI We see more and more drivers on the road each year. This could lead to an increased likelihood of a car accident. If you get in a car wreck, the auto insurance you own can make a big difference in how much you have to pay. But why is insurance necessary and just how much do you need? Car insurance protects you by covering the cost of damage caused to your car or someone else’s car and injury to other people, yourself, or your passengers, plus certain other occurrences, such as burglary. Without insurance, you run the risk of having to pay the total price of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: It pays for the expenses you have caused to others in a car accident, including property damage and injury. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of liability 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, no matter who was at fault in the crash. It is required in some states and optional in others. It can also pay for lost wages, service replacement and funeral expenses. Local law typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who carries responsibility for an accident. If you buy this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: Pays for damage to your car caused by an accident. Comprehensive: This kind of insurance protection takes care of all non-collision damages. This could include hail damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the right amount of auto insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can’t pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other types of coverage, including emergency road service, are also available.