condo insurance Severna Park MD The amount of cars on the road increases each year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a minor inconvenience and a major hassle. So how do you know which type of insurance you need and how much to buy? Car accidents can lead to many different expenses, which your car insurance can pay for based on the type of coverage you have purchased. No matter where you are living, you are required to purchase some variety of car insurance. Without insurance, you run the risk of having to pay the full cost of the harm or injury you cause others. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages might include bodily injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are sued, liability insurance can pay for your legal fees. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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 can also cover lost earnings, service replacement and funeral expenses. Local law usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who may have been at fault. This insurance will pay for all insured person’s reasonable and necessary medical and funeral expenses resulting from an accident. Collision: Pays for damages to your car caused by a collision. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the right amount of insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased.
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