My WordPress Website ? What is Car Insurance?

Every year, more drivers hit America?s roads. With so many vehicles on the road, accidents will happen. If you get in a car accident, the auto insurance you own can make a large difference in how much you have to pay. But why do you need to own insurance and exactly how much should you purchase? Required coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. If you are sued, it also pays your court costs. Recommended, higher levels of insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also pay for lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the right amount of auto insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other kinds of coverage, like emergency road service, can also be purchased. Auto insurance Oakland

Source: http://cspangeek.com/what-is-car-insurance-7/

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