business insurance Spring Lk Park MN There are more cars and drivers hitting the road every year. Wi

business insurance Spring Lk Park MN There are more cars and drivers hitting the road every year. With countless vehicles on the road, accidents will happen. Automobile insurance can be the difference between a small setback and a major trial. How can you decide what insurance you require and how to buy it? Coverage requirements vary by state/province tall ship cruises but usually include the following:Liability pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, tall ship cruises 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. State law usually sets minimum amounts. Medical payments: This coverage is available states that are not considered no- fault; 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: Pays for damage to your car caused by a collision. tall ship cruises Comprehensive: Applies if your car is stolen or damaged by causes other than collision, 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 liability tall ship cruises insurance to cover the full amount of the damages. Other coverage, such as emergency road service and car rental, is also available. Protect your Business