insurance-Milton
insurance Milton PA There are more drivers on the road each year. This can lead to a higher possibility of a collision for you and your family. If you get in a car crash, the auto insurance you have can make a big difference in what happens next. But why do you need to own insurance and just how much should you buy? Auto insurance protects you by paying for damage or injury you inflict on others while you are driving, damage to your car or injury to you or your passengers from an accidents, plus specific other situations, such as robbery. Every state or province requires auto insurance by law. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to damaged property or loss of use of property. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is mandated 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may be responsible. This insurance will pay for an insured person?s necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other types of coverage, like car rental and emergency road service, are also available. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you select * The make and model of the car you own * Your driving record * Your age, gender and marital status * The place where you live Some drivers don?t want to pay for auto insurance, but it is truly something you don?t want to live without. Review your needs, research your options, and with the support of your insurance agency, make the decision that best suits you.
Source: http://www.cretique.com/insurance-milton/
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