Your Insurance Policy Always Working For You

There are more cars and drivers hitting the road each year. This can lead to a higher possibility of a car accident. Automobile insurance can be the difference between a small setback and a large hassle. So how do you know what insurance you need and how much to purchase? Coverage requirements vary by state/province, but usually include the following: Liability: This type of insurance can pay for the damage that you have caused. These damages may include personal injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. If you are in legal trouble, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, no matter who was responsible for the crash. It is required in some states and optional in others. It may also cover lost earnings, service replacement and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance takes care of all non-collision damages. This may include fire damage, vandalism, and robbery. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Car Insurance Groveland