Purchasing Insurance Protection It's Not About The Money

The number of drivers on the road increases every year. As this number goes up, the possibility of accidents also goes up. The difference between a small bother and major obstacle can be the car insurance you have purchased. How can you decide what insurance you require and how you can buy it? Required coverage varies by state/province but usually includes the following: Liability: It pays for damages due to bodily injury and damage to property that you are responsible for. Damages from bodily injury include medical fees, and lost wages. Property damage includes damaged property and loss of use of property. It can also cover your legal fees if you are sued. Local laws usually mandate standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the crash. It is required in some states and optional in others. It may also pay for lost wages, service replacement and funeral costs. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in an accident caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't be on the road without it. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Car Insurance Groveland