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auto insurance Shelby Township MI There are more cars and drivers hitting the road each year. As this number increases, the chances of a car accident will also increase. Automobile insurance can be the difference between a small inconvenience and a large hassle. But why is insurance required by law and just how much should you get? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. By not owning insurance, you risk having to pay the full cost of any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. It can also cover your defense and court costs if you are sued. Local laws usually require minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the collision. It is required in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who may have been at fault. It pays for all insured person’s reasonable medical and funeral expenses for bodily injury from a crash. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can’t pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased.

commercial insurance Shelby Township MI Each year, more drivers travel the highways. With countless vehicles on the road, crashes are going to happen. Automobile insurance can be the difference between a minor inconvenience and a large hassle. But why do you need insurance and just how much should you purchase? Mandated coverage varies based on the state/province but usually includes the following: Liability: Pays for expenses due to personal injury and property damage to others that you have caused. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to damaged property and loss of use of property. It can also cover your defense and court costs if you are sued. State laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. 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 can also pay for lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a crash. If this policy is bought, the insured person will receive payment for all types of medical and funeral expenses. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the proper amount of car insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by a driver who does not have enough liability insurance to pay for the total cost of the damages. Other types of coverage, such as car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle’s make and model * Your driving record * Your age, sex and marital status * Where you live Some drivers don’t want to pay for auto insurance, but it is honestly something you don’t want to live without. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that best suits you.

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