auto insurance-Port Perry | Baltimore Share

auto insurance Port Perry ON There are more cars and drivers hitting the road every year. With so many vehicles on the road, accidents will happen. The difference between a small bother and large pain can be automobile insurance. But why do you need insurance and just how much should you buy? Coverage requirements vary by state/province but usually include the following:Pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, it also pays your defense and court costs. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended. 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. The minimum amount of this insurance is usually set by the state. Medical payments: This coverage is available in non-no-fault states; it pays despite 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: This pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: This 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: This 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.Your auto insurance payments vary 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 Many people think of auto insurance as a necessary evil, but it can save your financial well-being. Evaluate your needs, research your options and with the support of your insurance agent make the decision that best suits you. Additional Insurance Information

Source: http://www.baltimorecarshare.org/?p=56961

aj jenkins shea mcclellin nfl draft 2012 whitney mercilus 2012 nfl draft picks andrew luck andrew luck