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Comprehensive Insurance Coverage

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auto insurance Decatur GA We see more and more cars on the road every year. This could lead to a higher possibility of a car accident. The difference between a little bother and major pain can be car insurance. But why is insurance required by law and just how much do you need? Mandated coverage varies based on the state/province but typically includes the following: Liability: This type of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are sued, liability insurance will pay for your legal fees. State laws typically require minimum amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the collision. It is required in some states and optional in others. This insurance may also pay for lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance protection. Other policies, including car rental, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, such as: * What coverage you choose * The type of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial fiasco. Review your needs, research your options, and with the support of your insurance agent, choose the option that fits you best.


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