What Automobile Insurance Means to You

There are more cars and drivers on the road each year. With the increasing number of vehicles on the road, crashes can happen. Car insurance can be the difference between a minor inconvenience and a large trial. But why is insurance necessary and just how much should you get? Car crashes can lead to many different expenses, which your insurance can pay for based on the insurance policy you have purchased. Without insurance, you run the risk of having to pay the total price of the harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. It also covers your legal fees if you are sued. Local laws typically mandate standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the accident. It is required in some states and optional in others. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for an accident. This insurance will pay for an insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: This pays for damages to your car caused by a collision. Comprehensive: This type of insurance takes care of any non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of coverage, like emergency road service and car rental, are also available. What you pay for car insurance varies by company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some drivers may not want to pay for auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that best suits you. Car Insurance Groveland