auto insurance surprise az There are more cars and drivers hitting the road every year. With so many

auto insurance surprise az There are more cars and drivers hitting the road every year. With so many cars on the road, accidents will happen. The difference between a minor bother and major pain can be automobile insurance. How can you decide what insurance you need and how to buy it? Required coverage varies by state/province but usually includes the following: It pays for damages stanford hotel hong kong due to bodily injury and property damage to others for which you are responsible. Bodily injury damages stanford hotel hong kong include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. It also covers your defense and court costs if you are sued. 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. It pays you or your passengers for medical treatment resulting from a crash, regardless stanford hotel hong kong 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. The minimum amount of this insurance is typically stanford hotel hong kong set by the state. 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 an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than collision, including stanford hotel hong kong 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 coverage, such as emergency road service and car rental, is also available.What you pay for auto insurance varies by company and will depend on several factors, including: * What coverage you select * The make and model of the car you drive * Your driving record * Your age, sex 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 your needs, research your options and with the help of your insurance agent choose the option that best suits you. More On Vehicle Insurance