The FarReaching Benefits of Your Insurance Coverage

There are more cars and drivers on the road each year. As this number increases, the chances of a car collision will also go up. Automobile insurance can make the difference between a small setback and a major trial. But why do you need insurance and just how much should you purchase? Required coverage varies by state/province but typically includes the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages can include personal injury, and property damage. If you are in legal trouble, this type of insurance can pay for your defense and court costs. Recommended, higher levels of insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a collision. This insurance will pay for an insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the proper amount of car insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without sufficient insurance coverage. Other kinds of car insurance, like emergency road service and car rental, can also be purchased. Car Insurance Groveland