auto insurance-Caldwell | INWD

auto insurance Caldwell TX The amount of cars and drivers on the road increases each and every year. With so many vehicles on the road, accidents are going to happen. The difference between a little bother and major obstacle can be your insurance. So how do you know what insurance you need and how much you should buy? Auto insurance protects you by paying for injury or damage you inflict on others while you are driving, damage to your car or injury to you or your passengers from an accidents, plus specific other occurrences, such as robbery. Car insurance is mandated by law in all states and provinces. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: This type of insurance coverage can pay for the damage that you have caused. These damages may include bodily injury, and property damage. If you are in legal trouble, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated insurance. 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. This insurance may also pay for lost wages, service replacement and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. If this policy has been bought, the insured person will receive payment for necessary medical and funeral costs. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can?t pay for all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased.

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Nov

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November 13, 2012 Tuesday at 7:19 pm

Source: http://inwd.org/auto-insurance-caldwell/

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