Comprehensive Insurance Coverage

There are more cars and drivers on the road each year. As this number increases, the possibility of accidents also increases. Automobile insurance can be the difference between a small setback and a major trial. But why do you need to own insurance and just how much should you buy? Car crashes can result in a variety of different expenses, which your car insurance can pay for based on the insurance policy you own. Electing to drive without 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: This type of insurance coverage can pay for the damage that you have caused. These damages may include bodily injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes damaged property or loss of property use. If you are sued, this type of insurance will pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was responsible for the collision. It is occasionally called no-fault coverage. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by an accident. Comprehensive: This type of insurance protection takes care of all non-collision damages. This could include flood damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the right amount of car insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Other types of car insurance, including car rental, are also available. What you pay for auto insurance varies by company and will depend on several 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 Many people think of auto insurance as a necessary evil, but it can save you from a financial fiasco. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Car Insurance Groveland