The FarReaching Benefits of Your Insurance Coverage

You will see more and more drivers on the road every year. With the increasing number of vehicles on the road, accidents can happen. Car insurance can be the difference between a small inconvenience and a large trial. So how can you find out what insurance you need and how much to buy? Mandated coverage varies by state/province but usually includes the following: Liability: Liability pays for the expenses you have caused to others in a car accident, including property damage and injury. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This is mandated 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. State law usually 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. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the right amount of car insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, such as: * What coverage you choose * The type of the vehicle you drive * Your driving record * Your age, gender and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. Car Insurance Groveland