Insurance and How It Helps You

There are more cars on the road each year. This can lead to an increased likelihood of a collision. The difference between a little bother and major pain can be car insurance. How can you determine what type of insurance you need and where you should go to buy it? Mandated coverage varies by state/province but usually includes the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also pay for lost earnings, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This may include weather damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the proper amount of auto insurance. This insurance will protect you if one of these irresponsible 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 covers you from those drivers. Other types of coverage, like car rental, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * What coverage you select * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people think they can get by without car insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. Car Insurance Groveland