The Wham Spot | How Does Auto Insurance Work?

Every year, more automobiles and drivers travel the roads. As this number increases, the chances of a car collision will also increase. The difference between a little aggravation and large pain can be automobile insurance. So how can you find out what insurance you need and how much to buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. It can also cover your legal fees if you are sued. Local laws usually require minimum amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is commonly referred to as no-fault coverage. This insurance can also pay for lost earnings, service replacement and funeral costs. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who may have been at fault. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damages to your car caused by a collision. Comprehensive: This kind of insurance takes care of all non-collision damages. This may include weather damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to pay for the full cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: * What coverage you select * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some drivers think they can get by without auto insurance, but it is honestly something you don?t want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you. Auto insurance Oakland

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