Tuesday, October 2, 2012
business insurance Savage MN There are more cars and drivers hitting the road each year. With so man
business insurance Savage MN There are more cars and drivers hitting the road each year. With so many vehicles on the road, crashes will happen. Automobile tom petty tour dates insurance can be the difference between a minor setback and a major trial. So how do you know what insurance you need and how much to buy? Liability: It 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 tom petty tour dates 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 tom petty tour dates and usually recommended. Personal injury protection: tom petty tour dates This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also pay for lost earnings, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person s reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: 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, tom petty tour dates including fire, wind, hail, flood or vandalism. Uninsured motorist: 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: Pays for damages when an insured person is injured in a crash caused by another person who does not have enough tom petty tour dates liability insurance to cover the full amount of the damages. Other coverages, like car rental and emergency road service, are also available.What you pay for auto insurance varies 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, gender 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 guidance of your insurance agent make the decision that best suits you. Vehicle Insurance
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