Insurance and You

Each year, more automobiles and drivers hit the highways. As this number increases, the chances of a car collision will also go up. If you get in a car accident, the auto insurance you have can make a big difference in the experience you have. How can you determine what insurance you need and how to buy it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages might include bodily injury, and property damage. If you are in legal trouble, it also pays your court costs. Local laws usually mandate minimum amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, no matter who was at fault in the accident. It is mandated in some states and optional in others. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who may have been at fault. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral costs. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving without having the proper amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Car Insurance Groveland