Buying Insurance About More Than Money

We see more and more cars on the road every year. This could lead to a higher possibility of a collision. If you get in a car crash, the car insurance you own can make a large difference in how much you have to pay. How can you determine what type of insurance you need and where you should go to buy it? Auto insurance provides you with protection from paying for damage or injury you cause others while driving your car, damage to your vehicle or personal injury or injury to your passengers from a crash, and certain other situations, such as robbery. No matter where you are living, you will need to buy some type of car insurance. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Pays for damages due to bodily injury and damage to property that you are responsible for. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, it also pays your defense and court costs. State laws typically mandate standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is required 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. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other types of coverage, including car rental and emergency road service, are also available. Car Insurance Groveland