motorcycle insurance Homer Glen IL Every year, more cars and drivers hit the roads. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the car insurance you have can make a large difference in the experience you have. So how can you find out what type of car insurance you need and the quantity you should buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. By not owning insurance, you risk having to pay the full price of the harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was at fault in the crash. It is required in some states and optional in others. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased 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 insurance coverage. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance protection takes care of all non-collision damages. This could include fire damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the proper amount of car insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other kinds of car insurance, such as car rental, are also available.
↧