Insurance and How It Helps You

We see more and more cars on the road each year. As this number goes up, the chances of a car collision will also go up. The difference between a little aggravation and large obstacle can be car insurance. But why do you need insurance and just how much should you buy? Coverage requirements will differ by state/province, but typically include 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 also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. 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 accident. It is mandated in some states and optional in others. It may also pay for lost earnings, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a crash. If you buy this type of coverage, you will receive coverage for necessary medical and funeral costs. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the proper amount of auto insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have enough liability insurance to pay for the total cost of the damages. Other types of coverage, including car rental and emergency road service, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy car insurance; you should never be on the road without it. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Car Insurance Groveland