business insurance Theodore AL There are more cars and drivers hitting the road every year. With cou

business insurance Theodore AL There are more cars and drivers hitting the road every year. With countless vehicles on the road, crashes will happen. The difference between a minor bother and major obstacle can be automobile insurance. But why do you need insurance ashley plaza hotel and just how much should you buy? Liability: It pays for damages ashley plaza hotel due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, ashley plaza hotel lost wages and pain and suffering. Property damage includes damaged property ashley plaza hotel 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 pay for lost earnings, replacement of services and funeral expenses. State law typically 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 a collision. 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 ashley plaza hotel when an insured ashley plaza hotel 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, ashley plaza hotel are also available.