business insurance-Ellsworth | Gibbor Green

business insurance Ellsworth ME The number of drivers on the road increases each and every year. As this number increases, the possibility of accidents also increases. The difference between a little aggravation and large obstacle can be the car insurance you have purchased. But why do you need to own insurance and exactly how much should you purchase? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Your state or province certainly requires some type of auto insurance. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or 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 are responsible for. These damages might include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is sometimes referred to as no-fault coverage. It may also pay for lost wages, replacement of services and funeral costs. State law usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who may be responsible. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damage to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the right amount of insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can?t pay for all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other types of coverage, like car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you select * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don?t wait around to buy auto insurance; you shouldn?t drive a car without it. Review your needs, do your research , and with the support of your insurance agent, choose the option that fits you best.

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