auto insurance-Bracebridge | Baltimore Share

auto insurance Bracebridge ON There are more cars and drivers hitting the road every year. With so many vehicles on the road, accidents will happen. The difference between a small bother and major pain can be car insurance. But why do you need insurance and just how much should you buy? Car 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, and certain other occurrences, such as theft. Automobile insurance is mandated by law in all states and provinces. Choosing 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 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. If you are sued, it also pays your defense and court costs. 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 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 typically sets minimum amounts. Medical payments: This coverage is available states that are not considered no- fault; it pays despite who may have been at fault. It pays for an insured person?s reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: 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: 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: 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.Your auto insurance payments vary by company and will depend on several factors, including: *Your selected coverage *Your vehicle?s make and model * Your driving record * Your age, gender and marital status and * Where you live Many people think of auto insurance as a necessary evil, but it can save your financial well-being. Evaluate your needs, do your research and with the guidance of your insurance agent make the decision that best suits you. Insurance Policies

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