Extensive Home Insurance Policies

We see more cars on the road each year. With so many vehicles on the road, crashes can happen. If you get in a car wreck, the car insurance you have can make a large difference in how much you have to pay. But why do you need insurance and just how much do you need? Car insurance provides you with protection from paying for damage caused to your car or another person's car and injury to others, yourself, or passengers in your car, and specific other occurrences, such as theft. Auto insurance is required by law in all states and provinces. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Liability pays for the expenses you have caused to others in a car collision, including injury and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the collision. It is required in some states and optional in others. It may also pay for lost earnings, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance covers any damages not caused by a collision. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the support of your insurance agency, make the decision that fits you best. Car Insurance Groveland