Comprehensive Insurance Coverage

There are more cars on the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the auto insurance you own can make a big difference in what happens next. But why do you need insurance and just how much should you purchase? Auto insurance protects you by covering the cost of damage caused to your vehicle or another person's vehicle and injury to others, yourself, or passengers in your car, and specific other situations, such as burglary. Without insurance, you run the risk of having to pay the full price of the harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, it also pays your defense and court costs. Recommended, more comprehensive levels of insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, regardless of who was responsible for the crash. It is required in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. It pays for all insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without enough insurance coverage. Other types of car insurance, like emergency road service, can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many people think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agent, make the decision that fits you best. Car Insurance Groveland