Insurance and How It Helps You

There are more cars hitting the road each year. As this number increases, the chances of a car accident will also go up. If you get in a car crash, the car insurance you own can make a large difference in how much you have to pay. How can you decide what insurance you need and where you should go to buy it? Coverage requirements will differ by state/province, but typically include the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property or loss of property use. If you are in legal trouble, this type of insurance will pay for your legal fees. State laws typically require minimum amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It can also cover lost earnings, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this type of coverage has been bought, the insured person will receive coverage for reasonable medical and funeral costs. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance covers any damages not caused by a collision. This may include flood damage, vandalism, and theft. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance protection. Other kinds of coverage, such as emergency road service, are also available. Car Insurance Groveland