renters insurance Georgetown TX There are more cars on the road each year. This could lead to a higher possibility of a car accident for you and your family. Car insurance can make the difference between a small setback and a major hassle. So how can you figure out what insurance you need and how much to buy? Insurance requirements will differ by state/province, but typically include the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated varieties. 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. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for reasonable medical and funeral expenses. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include fire damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without sufficient insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased.
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