Insurance and How It Helps You

Every year, more automobiles and drivers hit the roads. With the increasing number of vehicles on the road, accidents can happen. If you get in a car crash, the car insurance you own can make a big difference in how much you have to pay. But why do you need insurance and just how much should you get? Car accidents can result in many different expenses, which can all be paid for based on the insurance policy you have purchased. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: This type of insurance coverage can pay for the damage that you have caused. These damages can include bodily injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are sued, liability insurance will pay for your defense and court costs. Local laws usually require standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, no matter who was at fault in the collision. It is occasionally referred to as no-fault coverage. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for an accident. It pays for an insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the proper amount of auto insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to cover the total cost of the damages. Other kinds of car insurance, such as emergency road service, are also available. Car Insurance Groveland