Renters Insurance Highland Park CA Every year, more cars and drivers travel the highways. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a minor setback and a large hassle. How can you decide what insurance you require and how to purchase it? Auto insurance protects you by paying for damage or injury you inflict on others while driving your car, damage to your vehicle or injury to you or your passengers from an accidents, and specific other situations, such as burglary. By not owning insurance, you risk having to pay the full price of the harm or injury you cause others. Liability: Pays for the expenses you are responsible for in a car collision, including property damage and injury. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This is mandated 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. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance covers all non-collision damages. This could include hail damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in an accident caused by another person who does not have enough liability insurance to cover the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased.
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