Insurance and You

There are more drivers hitting the road each year. As this number increases, the possibility of accidents also increases. The difference between a small aggravation and large pain can be car insurance. So how do you know what insurance you need and how much you should buy? Auto insurance provides you with protection from covering the cost of damage caused to your vehicle or another person's vehicle and injury to others, yourself, or your passengers, plus specific other incidents, such as theft. By not owning insurance, you risk having to pay the full price of any harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. It can also cover your defense and court costs if you are sued. State laws usually mandate minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This 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. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This may include fire damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the proper amount of insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance protects you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Car Insurance Groveland