Automobile Insurance and You

There are more cars hitting the road each year. With so many vehicles on the road, crashes will happen. The difference between a little aggravation and major pain can be the car insurance you own. How can you decide what type of insurance you require and where you should go to buy it? Insurance requirements vary by state/province, but usually include the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are sued, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. 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: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: This type of insurance protection takes care of all non-collision damages. This may include hail damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without sufficient insurance protection. Other policies, like car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * What coverage you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review 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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