Insurance and You

The amount of cars on the road increases each and every year. As this number goes up, the chances of a car collision will also go up. Car insurance can be the difference between a small inconvenience and a major trial. How can you determine what insurance you need and how to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. No matter where you live, you will need to buy some type of auto insurance. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. It also covers your legal fees if you are sued. Local laws typically require minimum amounts, but higher amounts are available and usually recommended. 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 accident. It is occasionally called no-fault coverage. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who may have been at fault. This insurance will pay for all insured person's necessary medical or funeral expenses for bodily injury from a crash. 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 a wreck, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without enough insurance coverage. Other kinds of coverage, like car rental, are also available. Car Insurance Groveland

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