motorcycle insurance Dodgeville WI There are more cars and drivers hitting the road every year. With so many vehicles on the road, crashes will happen. Automobile insurance can be the difference between a small setback and a major hassle. How can you decide what insurance you need and how to buy it? Auto insurance protects you by covering the cost of damage or injury you cause others while driving your car, damage to your car or injury to you or your passengers from a crash, plus specific other occurrences, such as theft. Automobile insurance is required by law in all states and provinces. Without insurance, you risk having to pay the total price of any harm you cause others or of repairing or replacing your car if it is damaged or stolen.It pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. It also covers your defense and court costs if you are sued. 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. State law usually sets minimum amounts. Medical payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. 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. Additional Insurance Information
Source: http://charlesvoisin.com/motorcycle-insurance-dodgeville/
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