My WordPress Website ? Comfort, Security, and Your Insurance Policy

Auto Insurance Wolverine Lake MI There are more cars and drivers hitting the road every year. With countless cars on the road, accidents will happen. The difference between a small aggravation and large pain can be automobile insurance. How can you decide what insurance you require and how to buy it? Car 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, plus specific other occurrences, such as theft. Car insurance is required by law in all states and provinces. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. 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 cover lost earnings, replacement of services and funeral expenses. State law usually sets minimum amounts. 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: Pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: 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: 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.What you pay for auto insurance varies by company and will depend on several factors, including: * What coverage you select * The make and model of the car you drive * Your driving record * Your age, sex and marital status and * Where you live Many people think of auto insurance as a necessary evil, but it can save your financial well-being. Evaluate your needs, do your research and with the help of your insurance agent make the decision that best suits you. Vehicle Insurance Info

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