Car Insurance and You

There are more drivers hitting the road every year. This can lead to a higher possibility of a collision. Automobile insurance can be the difference between a minor setback and a major hassle. How can you decide what insurance you require and how to buy it? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Every state and province requires automobile insurance by law. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. If you are in legal trouble, liability insurance can pay for your court costs. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without enough insurance coverage. Other kinds of coverage, like car rental, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. Car Insurance Groveland