Insurance and How It Helps You

There are more drivers hitting the road each year. With countless vehicles on the road, accidents can happen. Car insurance can be the difference between a minor inconvenience and a major hassle. So how do you know what insurance you need and how much you should buy? Insurance requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the accident. It is mandated in some states and optional in others. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be paid for under this kind of car insurance. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when an insured person is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy car insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the guidance of your insurance agent, choose the option that best suits you. Car Insurance Groveland

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