The FarReaching Benefits of Your Insurance Coverage

Each year, more automobiles and drivers travel our roads and freeways. As this number increases, the chances of a car accident will also go up. The difference between a little aggravation and major pain can be car insurance. How can you decide what insurance you need and how to buy it? Insurance 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 may include personal injury, and property damage. It also covers your defense and court costs if you are sued. State laws usually mandate standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the accident. It is mandated in some states and optional in others. State government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may be responsible. If you buy this type of coverage, you will receive coverage for reasonable medical and funeral costs. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of coverage, like car rental and emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people 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, do your research , and with the help of your insurance agency, make the decision that fits you best. Car Insurance Groveland