Insurance and How It Helps You

We see more and more drivers on the road each year. This could lead to an increased likelihood of a car accident. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. So how do you know what insurance you need and the quantity you should purchase? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are in legal trouble, it also pays your defense and court costs. State laws usually require minimum amounts, but higher amounts can be purchased and are usually recommended. 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. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this type of coverage is purchased, the insured person will receive coverage for necessary medical or funeral costs. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This may include weather damage, vandalism, and burglary. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without sufficient insurance protection. Other types of coverage, including emergency road service, are also available. Your car insurance payments varies based on the company and will depend on several factors, including: * What coverage you select * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * The place where you live Many people don't want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that best suits you. Car Insurance Groveland