Car Insurance and You : : Retro Low-Fi

Dallas Car Insurance 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 hassle. So how do you know what insurance you need and how much to buy? Liability: 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 and loss of use of property. If you are sued, it also pays your defense and court costs. Higher recommended insurances are available that cover more than the lower, state-mandated insurance. 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 cover lost earnings, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical payments: This coverage is available states that are not considered no-fault; it pays regardless of who may have been at fault. It pays for an insured person?s reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: This 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: This pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other coverage, such as emergency road service and car rental, is 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, sex 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. Car Insurance Providers

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