Your Insurance Policy Always Working For You

The number of cars on the road increases each and every year. As this number goes up, the possibility of accidents also goes up. The difference between a little aggravation and large pain can be car insurance. So how do you know what insurance you need and how much you should buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are sued, this type of insurance will pay for your legal fees. Recommended, higher levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance may also cover lost earnings, service replacement and funeral expenses. State law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. If you purchase this type of coverage, you will receive payment for reasonable medical and funeral expenses. Collision: Pays for damage to your car caused by a collision. Comprehensive: This type of insurance covers all non-collision damages. This may include weather damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance protects you from those drivers. Other types of coverage, such as car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: * What coverage you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some drivers think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Car Insurance Groveland