Sotology ? Auto Insurance Basics

The amount of drivers on the road increases each year. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car wreck, the auto insurance you own can make a big difference in how much you have to pay. So how can you figure out what insurance you need and how much you should buy? Required coverage varies by state/province but usually includes the following: Liability: Pays for the expenses you have caused to others in a car collision, including injury and property damage. It also covers your defense and court costs if you are sued. Local laws usually mandate minimum amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance 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. It may also cover lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this type of coverage is purchased, the insured person will receive coverage for all types of medical and funeral expenses. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance coverage. Other types of coverage, like car rental, are also available. Homeowners Insurance Mississauga ON

Source: http://www.sotology.com/auto-insurance-basics/

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