Tuesday, October 2, 2012

business insurance Lakeville MN Each year, more cars and drivers travel the highways. With so many c




business insurance Lakeville MN Each year, more cars and drivers travel the highways. With so many cars on the road, crashes will happen. Automobile insurance can be the difference between a minor setback and a large hassle. So how do you know what insurance you need and how much to buy? Car insurance protects delano hotel south beach you by paying for damage caused to your car or another person s car and injury to others, yourself, or your passengers, and specific other occurrences, such as theft. Automobile insurance is mandated delano hotel south beach by law in all states and provinces. Without insurance, you risk having to pay the full cost of any harm you cause others or of repairing or replacing your car if it is damaged or stolen.Liability delano hotel south beach pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical delano hotel south beach 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 delano hotel south beach insurance. 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 delano hotel south beach no-fault coverage. It may also cover 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 and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than collision, including delano hotel south beach 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 delano hotel south beach 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.What you pay for auto insurance varies by company and will depend on several delano hotel south beach factors, including: *Your selected coverage *Your vehicle s make and model * Your driving record * Your age, gender and marital status and * Where you live Some have come to think of auto insurance as a necessary evil, but it can truly rescue your economic health Evaluate delano hotel south beach your needs, research delano hotel south beach your options and with the support of your insurance agent choose the option that best suits you. Protection With Insurance

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