Commercial Insurance Kitchener ON Each year, more automobiles and drivers hit America?s roads. As this number increases, the chances of a car collision will also go up. Car insurance can be the difference between a minor inconvenience and a major trial. But why do you need insurance and just how much should you purchase? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Your state or province certainly mandates some type of auto insurance. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Liability pays for damages due to bodily injury and property damage to others for which you are responsible. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is occasionally called no-fault coverage. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. This insurance will pay for an insured person?s necessary medical and funeral expenses resulting from an accident. Collision: This pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This may include hail damage, vandalism, and theft. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: There are other drivers who have liability insurance that can?t cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle?s make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some drivers think they can get by without auto insurance, but it is truly something you don?t want to live without. Review your needs, research your options, and with the support of your insurance agent, make the decision that best suits you.
Source: http://breakingoutthewindows.com/what-car-insurance-means-to-you-3/
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