Your Car Insurance Plan

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There are more cars on the road each year. This can lead to an increased likelihood of a car accident. Car insurance can be the difference between a small inconvenience and a large hassle. So how can you find out what insurance you need and the quantity you should purchase? Insurance requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. It can also cover your defense and court costs if you are sued. Local laws typically require minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is mandated 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. It can also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. 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 necessary medical or funeral expenses will be paid for under this type of coverage. Collision: This pays for damages to your car caused by a collision. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: This pays for damages when an insured person is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Car Insurance Groveland