Your Insurance Policy Always Working For You

There are more cars hitting the road every year. This could lead to a higher possibility of a car accident. The difference between a little aggravation and large pain can be your car insurance. But why do you need insurance and just how much should you get? Car insurance protects you by paying for damage caused to your car or someone else's car and injury to other people, yourself, or your passengers, plus specific other occurrences, such as theft. Every state and province requires car insurance by law. By not owning insurance, you risk having to pay the total cost of the harm you cause others. Liability: Liability pays for the expenses you have caused to others in a car collision, including property damage and injury. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This 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 wages, service replacement and funeral expenses. State law usually sets minimum amounts. 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 reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Car Insurance Groveland

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