The Binder Blog

There are more drivers on the road each year. With so many vehicles on the road, accidents will happen. Car insurance can be the difference between a small inconvenience and a major hassle. But why do you need insurance and just how much should you buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. If you are sued, this type of insurance will pay for your defense and court costs. Local laws typically require minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, no matter who was responsible for the collision. It is sometimes called no-fault coverage. It may also pay for lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If this policy has been purchased, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection takes care of all non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the right amount of auto insurance. This type of coverage will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without enough insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. Renters Insurance Wixom MI

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renters insurance Gordon GA Every year, more automobiles and drivers travel the highways. With the increasing number of vehicles on the road, crashes can happen. Car insurance can make the difference between a small setback and a major hassle. How can you determine what insurance you require and how to purchase it? Insurance requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. If you are sued, it also pays your defense and court costs. Recommended, higher levels of liability insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, regardless of who was responsible for the collision. It is occasionally called no-fault coverage. The minimum amount of personal injury protection is usually set by local government. 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 necessary medical or funeral expenses resulting from a crash. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the right amount of insurance. This type of coverage will cover you if one of these drivers hit you. 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 covers you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Some drivers think they can get by without car insurance, but it is honestly something you don’t want to live without. Evaluate your needs, research your options, and with the help of your insurance agent, choose the option that best suits you.