PMBOARD

There are more cars and drivers on the road every year. This can lead to an increased likelihood of a car accident. The difference between a small bother and large pain can be car insurance. But why is insurance necessary and just how much should you buy? Car insurance protects you by paying for damage or injury you cause others while driving your car, damage to your vehicle or injury to you or your passengers from an accidents, and specific other occurrences, such as theft. Auto insurance is mandated by state law. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of use of property. It also covers your legal fees if you are sued. Local laws usually require standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance 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. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who may have been at fault. It pays for an insured person’s reasonable medical or funeral expenses resulting from a crash. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without sufficient insurance protection. Other types of coverage, including emergency road service, are also available. Auto Insurance 69301