Your Car Insurance Plan | INWD

Car Insurance Monterey Park CA There are more cars on the road every year. As this number increases, the possibility of accidents also increases. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. How can you determine what insurance you need and how you can buy it? Insurance requirements will differ by state/province, but typically include the following: Liability: It pays for expenses due to personal injury and damage to property for which you are responsible. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. State laws typically mandate minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the collision. It is mandated in some states and optional in others. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who may have been at fault. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: This pays for damages to your car caused by a collision. Comprehensive: This type of insurance protection takes care of any non-collision damages. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Other policies, like emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle?s make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don?t procrastinate buying auto insurance; you should never be on the road without it. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best.

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November 17, 2012 Saturday at 1:40 pm

Source: http://inwd.org/your-car-insurance-plan/

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