What Automobile Insurance Means to You

There are more cars hitting the road each year. With the increasing number of vehicles on the road, accidents will happen. Automobile insurance can be the difference between a small inconvenience and a major trial. But why is insurance necessary and just how much do you need? Coverage requirements vary by state/province, but typically include the following: Liability: Pays for the expenses you are responsible for in a car collision, including property damage and injury. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the collision. It is commonly referred to as no-fault coverage. State government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the right amount of auto insurance. This insurance will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, including: * Which policies you select * The type of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some people think they can get by without auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Groveland