Everything You Need to Know About Car Insurance

Each year, more cars and drivers hit the roads. With so many vehicles on the road, crashes can happen. The difference between a little aggravation and large obstacle can be the car insurance you have purchased. So how can you find out what insurance you need and how much to buy? Mandated coverage varies by state/province but typically includes the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required 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. Local government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. If you buy this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance covers any damages not caused by a collision. This could 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 type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Car Insurance Groveland