auto insurance-Stillwater ? iPhone Exploit

auto insurance Stillwater MN Each year, more automobiles and drivers hit the highways. This could lead to a higher possibility of a car accident. Car insurance can be the difference between a small setback and a large trial. So how do you know what insurance you need and how much to purchase? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Liability pays for expenses due to personal injury and property damage to others where you are responsible. Bodily injury damages can include medical expenses, and lost wages. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was responsible for the crash. It is required in some states and optional in others. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can?t pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other policies, such as car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you select * The make and model of the car you own * Your driving record * Your age, gender and marital status * Where you live Many drivers think they can get by without auto insurance, but it is honestly something you don?t want to live without. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you.

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