Comprehensive Insurance Coverage

The number of cars on the road increases each and every year. This could lead to an increased likelihood of a collision for you and your family. Automobile insurance can make the difference between a minor setback and a large trial. But why do you need to own insurance and exactly how much should you buy? Car insurance protects you by covering the cost of damage caused to your vehicle or another person's vehicle and injury to others, yourself, or passengers in your car, plus certain other situations, such as burglary. By not owning insurance, you run the risk of having to pay the full cost of the harm you cause others. Liability: Liability pays for expenses due to personal injury and damage to property where you are responsible. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of use of property. It also covers your legal fees if you are sued. State laws typically mandate minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: This 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. This insurance may also cover lost earnings, service replacement and funeral expenses. State government typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage has been purchased, the insured person will receive payment for all types of medical and funeral expenses. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the right amount of auto insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for car insurance varies by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can save you from a financial crisis. Evaluate your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Car Insurance Groveland

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