Buying Insurance More Than Just Money

There are more cars and drivers on the road every year. With so many vehicles on the road, crashes will happen. The difference between a little aggravation and large obstacle can be the car insurance you own. But why do you need insurance and just how much do you need? Mandated coverage varies by state/province but typically includes the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. If you are sued, it also pays your legal fees. 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 all medical treatment for you and other people in your car, no matter who was at fault in the crash. It is sometimes called no-fault coverage. State law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who may be responsible. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have enough liability insurance to cover the total amount of the damages. Other kinds of car insurance, like emergency road service, can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: * What coverage you choose * The type of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Some drivers may not want to pay for car insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. Car Insurance Groveland