auto insurance Conshohocken PA Each year, more cars travel the highways. As this number increases, the chances of a car accident will also go up. If you get in a car wreck, the car insurance you own can make a large difference in how much you have to pay. How can you decide what insurance you need and how to purchase it? Car crashes can result in many different expenses, which your insurance might be able to pay for based on the insurance policy you have purchased. Without insurance, you risk having to pay the total cost of any harm or injury you cause others. Liability: This type of insurance coverage can pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. It can also cover your legal fees if you are sued. Local laws typically mandate standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: This is mandated 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. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who may be responsible. It pays for an insured person?s reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Pays for damages to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages when you buy this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the right amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without enough insurance coverage. Other policies, such as emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, including: * Which policies you choose * The make and model of the car you drive * Your driving record * Your age, sex and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best.
This entry was posted in Commercial Auto Insurance. Bookmark the permalink.Source: http://ercillesuniverse.com/auto-insurance-conshohocken/
No comments:
Post a Comment
Note: Only a member of this blog may post a comment.