homeowners insurance-Wells Peter Konig Art

Oct27

homeowners insurance Wells ME There are more cars and drivers hitting the road every year. With countless vehicles on the road, crashes will happen. If you get in a car crash, the car insurance you own can make a large difference in the experience you have. But why do you need insurance and just how much should you buy? Insurance requirements vary by state/province, but usually include the following: Liability: This kind of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. If you are sued, this type of insurance can pay for your legal fees. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person?s reasonable medical or funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Other policies, like car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle?s make and model * Your driving record * Your age, gender and marital status * Where you live Many people think they can get by without car insurance, but it is truly something you don?t want to live without. Review your needs, research your options, and with the support of your insurance agency, choose the option that best suits you.

Source: http://peterkonigart.com/homeowners-insurance-wells/

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