Motorcycle Insurance Piedmont OK We see more and more cars on the road each year. This can lead to an increased likelihood of a car accident. Automobile insurance can be the difference between a minor inconvenience and a large trial. So how can you find out what type of car insurance you need and how much to buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are sued, this type of insurance can pay for your defense and court costs. State laws usually require standard amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the crash. It is required in some states and optional in others. This insurance may also cover lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this policy is purchased, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Insure Your Future
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