The FarReaching Benefits of Your Insurance Coverage

Every year, more drivers hit America's roads. With so many vehicles on the road, accidents are going to happen. The difference between a small aggravation and major pain can be your insurance. How can you determine what insurance you require and how you can buy it? Coverage requirements vary by state/province, but typically include the following: Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. If you are in legal trouble, this type of insurance will pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is sometimes called no-fault coverage. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. If this type of coverage is purchased, the insured person will receive coverage for reasonable medical or funeral costs. Collision: This pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without enough insurance coverage. Other types of coverage, including car rental and emergency road service, are also available. Car Insurance Groveland