Auto Insurance and You
There are more cars hitting the road every year. This can lead to a higher possibility of a collision. Automobile insurance can be the difference between a minor inconvenience and a large hassle. But why do you need insurance and just how much do you need? Required coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability 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. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for necessary medical or funeral expenses. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This may include fire damage, vandalism, and theft. 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: Just like uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance coverage. Other kinds of coverage, such as car rental, can also be purchased. Car Insurance Groveland