Insurance and How It Helps You

Each year, more drivers hit the highways. With the increasing number of vehicles on the road, crashes can happen. The difference between a little bother and major obstacle can be your car insurance. But why do you need insurance and exactly how much should you buy? Mandated coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, no matter who was at fault in the collision. It is mandated in some states and optional in others. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy has been purchased, the insured person will receive payment for reasonable medical and funeral expenses. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This may include flood damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by another person who does not have enough liability insurance to pay for the total cost of the damages. Other kinds of coverage, like emergency road service, can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. Car Insurance Groveland