Auto Insurance and You

Each year, more automobiles and drivers hit the highways. As this number increases, the possibility of accidents also increases. The difference between a small aggravation and large pain can be car insurance. How can you determine what insurance you require and how you can purchase it? Car insurance provides you with protection from covering the cost of damage caused to your vehicle or someone else's vehicle and injury to other people, yourself, or your passengers, plus specific other occurrences, such as burglary. By not purchasing insurance, you run the risk of having to pay the total price of the harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. It also covers your legal fees if you are sued. State laws typically mandate standard amounts of liability insurance, but larger amounts can be purchased and are 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 mandated in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance takes care of any damages not caused by a collision. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Other policies, such as emergency road service, are also available. Car Insurance Groveland