There are more cars and drivers hitting the road every year. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the car insurance you own can make a big difference in how much you have to pay. How can you determine what insurance you require and where you should go to buy it? Coverage requirements vary by state/province, but usually include the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are sued, it also pays your legal fees. Local laws usually require standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, no matter who was at fault in the crash. It is mandated in some states and optional in others. This insurance can also cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. 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 car accident will be paid for under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against drivers without enough insurance protection. Other policies, like emergency road service, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial fiasco. Review your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. Car Insurance Groveland
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