auto insurance-West Allis | XJWSCGS

auto insurance West Allis WI There are more cars and drivers hitting the road every year. With so many vehicles on the road, crashes 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? 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 certain other occurrences, such as theft. Automobile insurance is required by law in all states and provinces. Without insurance, you risk having to pay the full cost of any harm you cause others or of repairing or replacing your car if it is damaged or stolen.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 regardless of 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 an accident. 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. Protect your Family

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