Thursday, November 15, 2012

My WordPress Website ? auto insurance-Phoenixville

auto insurance Phoenixville PA You will see more and more cars on the road each year. As this number increases, the possibility of accidents also increases. Automobile insurance can be the difference between a minor setback and a large hassle. So how do you know what type of car insurance you need and how much to purchase? Car accidents can result in a variety of different expenses, which your insurance can pay for based on the insurance policy you own. Without insurance, you risk having to pay the total cost of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This 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. It may also pay for lost wages, service replacement and funeral costs. State government typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may have been at fault. It pays for all insured person?s reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damages to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by another person who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Other policies, such as car rental, are also available.

Source: http://cspangeek.com/auto-insurance-phoenixville/

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