The Fullerton

There are more cars hitting the road every year. With so many vehicles on the road, accidents will happen. The difference between a little aggravation and major pain can be your insurance. How can you decide what insurance you require and how you can buy it? Insurance requirements vary by state/province, but usually include the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are in legal trouble, it also pays your defense and court costs. State laws usually require standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance 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. This insurance can also cover lost wages, service replacement and funeral costs. State government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damage to your car caused by an accident. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without sufficient insurance coverage. Other types of car insurance, like emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle’s make and model * Your driving record * Your age, sex and marital status * Where you live Some have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best. Commercial Insurance 68137