Your Insurance Coverage Always Working For You

There are more drivers hitting the road every year. With the increasing number of vehicles on the road, crashes can happen. Automobile insurance can be the difference between a small inconvenience and a major hassle. But why do you need insurance and just how much should you buy? Required coverage varies by state/province but usually includes the following: Liability: It pays for the expenses you are responsible for in a car collision, including property damage and injury. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. If this policy has been bought, the insured person will receive payment for all types of medical and funeral expenses. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other policies, including emergency road service, are also available. What you pay for car insurance varies by company and will depend on multiple factors, including: * Which policies you choose * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. Car Insurance Groveland