auto insurance-Levelland | Insurance Quote Monster

auto insurance Levelland TX There are more cars and drivers hitting the road each year. With so many vehicles on the road, crashes will happen. Automobile insurance can be the difference between a small inconvenience and a large hassle. How can you decide what insurance you need and how to buy it? Auto insurance protects you by paying for damage caused to your vehicle or another person?s vehicle and injury to others, yourself, or your passengers, plus specific other occurrences, such as theft. Every state and province mandates auto 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.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. 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 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. State law usually 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: This 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: * What coverage you select * The make and model of the car you drive * Your driving record * Your age, sex 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, research your options and with the support of your insurance agent make the decision that best suits you. Truck Insurance

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