| Home Insurance Santa Rosa Ca There are more cars and drivers hitting the road every year. With countless cars on the road, accidents will happen. Automobile insurance can be the difference between a small setback and a major trial. So how do you know what insurance you need and how much to buy?Required coverage varies by state/province but usually includes the following:Liability pays for damages due to bodily injury and property damage to others that you are responsible for. 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. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended. 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 pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical payments: This coverage is available in non-no-fault states; it pays despite who may have been at fault. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: This pays for damage to your car caused by an accident. 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 coverages, like car rental and emergency road service, are also available. Condo Insurance Santa Rosa Ca |
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