business insurance Eagan MN There are more cars and drivers hitting the road each year. With countle

business insurance Eagan MN There are more cars and drivers hitting the road each year. With countless vehicles on the road, accidents will happen. Automobile insurance can be the difference between a minor inconvenience and a large trial. How can you decide what insurance you need and how to buy it? Coverage requirements vary by state/province but usually include the following:It pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, new england travel 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. Higher recommended insurances are available that cover more than the lower, state-mandated insurance. Personal injury protection: This is required in some states and is optional in others. Sometimes referred to as no-fault new england travel 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 typically new england travel set by the state. Medical payments: This coverage is available in non-no-fault states; it pays regardless of who may have been at fault. new england travel It pays for an insured person s reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damage to your car caused by a collision. 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 new england travel 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. Insurance Quotes