Your Insurance Coverage Always Working For You

Each year, more cars hit the highways. With countless vehicles on the road, crashes can happen. Automobile insurance can make the difference between a small inconvenience and a major trial. So how do you know what insurance you need and how much to buy? Car crashes can result in many different expenses, which can all be paid for based on the insurance policy you have purchased. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. If you are in legal trouble, it also pays your defense and court costs. Recommended, higher levels of insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the crash. It is commonly referred to as no-fault coverage. Local law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who may be responsible. It pays for an insured person's necessary medical and funeral expenses resulting from a crash. Collision: Pays for damage to your car caused by a collision. Comprehensive: This kind of insurance covers any damages not caused by a collision. This may include fire damage, vandalism, and theft. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance coverage. Other types of coverage, including emergency road service and car rental, are also available. Your car insurance payments vary by company and will depend on several factors, such as: * Which policies you select * The type of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some have come to think of car insurance as a necessary evil, but it can truly save you from a financial mess. Review your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. Car Insurance Groveland