Purchasing Home Insurance More Than Just Money

There are more cars hitting the road every year. With countless vehicles on the road, accidents can happen. Automobile insurance can be the difference between a small setback and a large trial. So how do you know what type of car insurance you need and how much to purchase? Mandated coverage varies by state/province but typically includes the following: Liability: Pays for the expenses you have caused to others in a car collision, including property damage and injury. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that cover more events 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 your passengers, no matter who was responsible for the accident. It is mandated in some states and optional in others. This insurance may also pay for lost wages, replacement of services and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this type of coverage is purchased, the insured person will receive payment for necessary medical or funeral costs. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Other types of coverage, including car rental, can also be purchased. Car Insurance Groveland

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