Insurance and How It Helps You

Every year, more drivers hit America's roads. This could lead to a higher possibility of a car accident for you and your family. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. So how do you know which type of insurance you need and how much to buy? Insurance requirements will differ by state/province, but usually include the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages may include personal injury, and property damage. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required 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. It may also cover lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. 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 paid for under this type of car insurance. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are breaking the law by driving without purchasing the right amount of 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 might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other kinds of car insurance, such as car rental, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, such as: *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 Some people have consider auto insurance as a necessary evil, but it can truly rescue you from a financial mess. Review your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. Car Insurance Groveland