business insurance Grand Bay AL Every year, more cars and drivers travel the highways. With so many

business insurance Grand Bay AL Every year, more cars and drivers travel the highways. With so many cars on the road, accidents will happen. The difference between a small bother and large obstacle can be car insurance. So how do you know what insurance you need and how much to buy? Car insurance protects you by covering the cost of damage caused to your vehicle or another person s vehicle disney world florida swan hotel and injury to others, yourself, or your passengers, plus specific other occurrences, such as theft. Every state and province requires car insurance by law. Without insurance, you risk having to pay the full 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 cover 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 or funeral disney world florida swan hotel expenses for bodily injury from an accident. Collision: 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: disney world florida swan hotel 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 disney world florida swan hotel be identified (usually a hit-and-run driver). Under- insured motorist: Pays for damages disney world florida swan hotel 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 coverage, such as emergency road service and car rental, is also available.