Purchasing Insurance About More Than Money

You will see more drivers on the road each year. As this number increases, the possibility of accidents also increases. Automobile insurance can be the difference between a small setback and a major trial. So how can you find out what insurance you need and how much to buy? Insurance requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more than the stripped-down, state-mandated varieties. 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. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a crash. If you buy this type of coverage, you will receive payment for all types of medical or funeral costs. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving without owning the proper amount of insurance. This insurance will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, including emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people think they can get by without auto insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. Car Insurance Groveland