What is Automobile Insurance?

There are more cars and drivers hitting the road each year. This can lead to a higher possibility of a car accident. If you get in a car wreck, the car insurance you own can make a large difference in how much you have to pay. How can you decide what insurance you require and how to buy it? Required coverage varies based on the state/province but typically includes the following: Liability: Liability pays for the expenses you have caused to others in a car collision, including property damage and injury. If you are in legal trouble, liability insurance can pay for your legal fees. Recommended, higher levels of liability insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This 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. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance coverage. Other types of car insurance, such as emergency road service and car rental, are also available. Car Insurance Groveland