auto insurance Commerce TX There are more cars on the road each year. With so many vehicles on the road, crashes can happen. Car insurance can be the difference between a minor inconvenience and a large hassle. But why do you need to own insurance and exactly how much should you purchase? Car crashes can lead to a variety of different expenses, which can all be paid for based on the type of coverage you own. Without insurance, you run the risk of having to pay the total cost of any harm or injury you cause others. Liability: This kind of insurance can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury include medical fees, and lost wages. Property damage includes damaged property or loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the crash. It is occasionally referred to as no-fault coverage. It may also pay for lost wages, service replacement and funeral expenses. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a crash. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damages to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: There are other drivers who have liability insurance that can?t pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other types of coverage, like emergency road service, are also available.
Source: http://cspangeek.com/auto-insurance-commerce/
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