Sarah Lumholdt | auto insurance-LaVale

auto insurance LaVale MD There are more cars and drivers hitting the road every year. With so many vehicles on the road, accidents will happen. Automobile insurance can be the difference between a small setback and a major hassle. But why do you need insurance and just how much should you buy? Car insurance protects you by covering the cost of damage caused to your car or another person?s car and injury to others, yourself, or your passengers, plus specific other occurrences, such as theft. Every state and province mandates auto insurance by law. Without insurance, you risk having to pay the total price of any harm you cause others or of repairing or replacing your car if it is damaged or stolen.It 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. It also covers your defense and court costs if you are sued. 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 pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person?s reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: 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: 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 coverages, like car rental and emergency road service, are also available. Truck Insurance

Posted in Commercial Auto Insurance

Source: http://www.saralumholdt.com/auto-insurance-lavale/

george strait how i met your mother sons of anarchy PNC Bank Jordan Pruitt real housewives of new jersey act