Renters Insurance Milton There are more cars and drivers hitting the road every year. With countless vehicles on the road, accidents will happen. Automobile 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 buy? Auto insurance protects you by paying for damage or injury you cause others while driving your car, damage to your car or injury to you or your passengers from a crash, and specific other occurrences, such as theft. Car insurance is mandated by law in all states and provinces. Without insurance, you risk having to pay the total cost of any harm you cause others or of repairing or replacing your car if it is damaged or stolen.Liability pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, it also pays your defense and court costs. Higher recommended insurances are available that cover more than the lower, state-mandated insurance. Personal injury protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical payments: This coverage is available states that are not considered no-fault; it pays regardless of who may have been at fault. It pays for an insured person’s reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-insured motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other coverage, such as emergency road service and car rental, is also available.
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