Car Insurance and You

The number of cars on the road increases each and every year. This could lead to a higher possibility of a collision for you and your family. The difference between a small bother and major pain can be car insurance. So how can you figure out what insurance you need and how much to buy? Insurance requirements will differ by state/province, but typically include the following: Liability: Liability pays for expenses due to bodily injury and property damage to others that you are responsible for. If you are sued, it also pays your legal fees. Local laws typically require minimum amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is mandated 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 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 insurance coverage. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include weather damage, vandalism, and burglary. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance protects you from those drivers. Other types of coverage, including car rental, are also available. Car Insurance Groveland