Insurance and How It Helps You

There are more drivers on the road each year. As this number increases, the chances of a car accident will also increase. If you get in a car wreck, the auto insurance you have can make a big difference in what happens next. So how do you know what insurance you need and how much you should buy? Coverage requirements will differ by state/province, but usually include the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are in legal trouble, liability insurance can pay for your defense and court costs. State laws usually require minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This is mandated 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. This insurance may also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a crash. It pays for an insured person's reasonable medical and funeral expenses resulting from an accident. Collision: This pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance coverage. Other types of coverage, including car rental, are also available. Your auto insurance payments vary by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't be on the road without it. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. Car Insurance Groveland