The WideRanging Benefits of Your Insurance Coverage

We see more drivers on the road each year. As this number increases, the chances of a car collision will also increase. Car insurance can make the difference between a minor inconvenience and a major trial. But why do you need insurance and just how much do you need? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Car insurance is mandated by law in all states and provinces. By not purchasing insurance, you run the risk of having to pay the total cost of the harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: It pays for expenses due to personal injury and damage to property that you are responsible for. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is commonly called no-fault coverage. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damages to your car caused by a collision. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have insurance. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Other kinds of coverage, like car rental, are also available. Car Insurance Groveland