Car Insurance Woodbury MN There are more drivers hitting the road each year. With the increasing number of vehicles on the road, crashes can happen. Car insurance can make the difference between a minor setback and a large hassle. How can you decide what insurance you require and how you can purchase it? Car crashes can lead to many different expenses, which can all be paid for based on the insurance policy you own. Without insurance, you risk having to pay the total price of any harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: It pays for expenses due to bodily injury and damage to property that you are responsible for. Bodily injury damages include medical expenses, and lost wages. Property damage includes damaged property and loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, regardless of who was responsible for the crash. It is mandated in some states and optional in others. It can also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive coverage for all types of medical or funeral expenses. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This type of insurance covers any non-collision damages. This may include hail damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Other kinds of coverage, including emergency road service, are also available.
Source: http://www.uhanc.org/what-is-auto-insurance-3/
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