Insurance and How It Helps You

There are more cars hitting the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. How can you determine what insurance you require and how you can purchase it? Car insurance protects you by covering the cost of damage or injury you cause others while driving your car, damage to your car or personal injury or injury to your passengers from an accidents, and specific other incidents, such as theft. Deciding to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was at fault in the collision. It is required in some states and optional in others. It may also pay for lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: This pays for damages to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without sufficient insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Car Insurance Groveland