The FarReaching Benefits of Your Homeowners Insurance Policy

We see more and more cars on the road each year. With countless vehicles on the road, accidents will happen. If you get in a car accident, the car insurance you own can make a large difference in the experience you have. But why do you need insurance and just how much do you need? Required coverage varies based on the state/province but typically 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 can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. It also covers your legal fees if you are sued. Local laws typically require standard amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is required 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 may also pay for lost wages, replacement of services and funeral costs. Local law typically 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. If this type of coverage has been purchased, the insured person will receive coverage for all types of medical and funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the right amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other types of coverage, including emergency road service and car rental, can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, such as: * Which policies you select * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people may not want to pay for car insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Car Insurance Groveland

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