The FarReaching Benefits of Your Insurance Policy

Every year, more cars and drivers travel our roads and freeways. With countless vehicles on the road, accidents will happen. The difference between a small bother and large obstacle can be the car insurance you have purchased. How can you determine what insurance you require and how you can purchase it? Insurance requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to damaged property and loss of use of property. If you are in legal trouble, this type of insurance can pay for your legal fees. State laws typically require minimum amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, no matter who was responsible for the crash. It is required in some states and optional in others. This insurance can also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage is purchased, the insured person will receive coverage for necessary medical or funeral costs. Collision: This pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other policies, like car rental and emergency road service, are also available. Car Insurance Groveland

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