1 prices. Personal injury liability coverage s & 39; This applies to injuries you, the designated driver or police because of someone & 39; d & 39; one another. You and family members on the policy are also covered when driving someone of a & 39; d & 39; another car with their permission. It is very important to have sufficient & 39; liability insurance, because if you are involved in a serious accident, May you be prosecuted for a large sum of money & 39;. Definitely consider buying more d & 39; s & 39; state-required minimum to protect assets like your home and savings.
2. Payments medical or personal injury protection (PIP) This coverage supports the treatment of injuries to the driver and passengers of the police car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally carried out by a person injured in an automobile accident. It May also cover funeral costs.
3. Liability for Damage This coverage pays for damage you (or someone & 39; driving a car with your permission) May because of someone & 39; un d & 39; other property. Usually, this means damage to someone & 39; d & 39; one other car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures hit.
4 your car. This Collision coverage pays for damage to your car resulting from & 39; a collision with another car, object or as a result of more rollover. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $ 250 to $ 1000 plus your deductible, the higher your premium. Even if you are responsible for & 39; accident, your collision coverage will reimburse you repair your vehicle, minus the deductible. & 39; If you are not at fault, your insurance company d & 39; May try to recover the amount you paid for the other driver & 39; d & 39; insurance company. If they are successful, you will also refund deductible.
5. This coverage reimburses you for losses due to theft or damage caused by something other than a collision with a car or other object, like fire, falling objects d & 39;, missiles, explosion, earthquake earth, wind, hail, floods, vandalism, riot, or contact with animals such as birds or deer.
Comprehensive insurance is usually sold with $ 100 to $ 300 deductible, May if you want to opt for a higher deductible as a way to reduce your insurance premium.
Comprehensive also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.
States n & 39; not require that you purchase collision or a & 39; coverage, but if you have a car loan, your lender May insist you wear until & 39; that your loan is paid off.
6. No policyholders and Underinsured motorist coverage This coverage will reimburse you, a member of your family, or a designated driver if & 39; one of you is hit by an uninsured or hit and run driver. Underinsured motorist coverage comes into play when a driver responsible & 39; n not enough & 39; insurance to pay for your total loss. This coverage will also protect you if you are struck as a pedestrian. Free insurance quotes and the information & 39;
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