auto insurance Milan MO There are more cars and drivers hitting the road every year. With countless vehicles on the road, crashes will happen. Automobile insurance can be the difference between a small inconvenience and a major trial. But why do you need insurance and just how much should you buy? Car insurance protects you by covering the cost of 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 certain other occurrences, such as theft. Car insurance is mandated by law in all states and provinces. Without insurance, you risk having to pay the full price of any harm you cause others or of repairing or replacing your car if it is damaged or stolen.It 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. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended. Personal injury protection: This is required 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. It may also pay for lost earnings, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical payments: This coverage is available in non-no-fault states; 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: This 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 coverages, like car rental and emergency road service, are also available.Your auto insurance payments vary by company and will depend on several factors, including: *Your selected coverage *Your vehicle?s make and model * Your driving record * Your age, gender 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 support of your insurance agent choose the option that best suits you. Protection With Insurance
Source: http://leftblogger.com/auto-insurance-milan/
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