You will see more drivers on the road each year. As this number increases, the chances of a car accident will also go up. The difference between a little aggravation and large obstacle can be your insurance. So how do you know what insurance you need and how much to buy? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Your state or province certainly mandates some type of car insurance. Making the decision to drive without owning insurance could mean you have 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 covered under this type of insurance. If you are sued, this type of insurance can pay for your defense and court costs. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, no matter who was at fault in the crash. It is occasionally called no-fault coverage. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who may have been at fault. It pays for all insured person’s reasonable and necessary medical and funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from people driving without sufficient insurance coverage. Other types of coverage, such as car rental, are also available. auto insurance Atlanta
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