Your Auto Insurance Plan

Each year, more automobiles and drivers travel the highways. With countless vehicles on the road, accidents will happen. The difference between a small bother and major obstacle can be the car insurance you own. So how can you find out what type of car insurance you need and how much to buy? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Every state and province requires car insurance by law. Without insurance, you run the risk of having to pay the total price of any harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages may include personal injury, and property damage. If you are sued, this type of insurance will pay for your court costs. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, no matter who was responsible for the crash. It is required in some states and optional in others. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for necessary medical or funeral expenses. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Other types of car insurance, including emergency road service, can also be purchased. Car Insurance Groveland