What Auto Insurance Means to You

We see more and more cars on the road each year. As this number increases, the possibility of accidents also increases. Car insurance can be the difference between a minor inconvenience and a major hassle. How can you decide what type of insurance you require and how to buy it? Auto insurance provides you with protection from paying for injury or damage you inflict on others while driving your car, damage to your car or injury to you or your passengers from a crash, plus certain other situations, such as theft. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. If you are in legal trouble, this type of insurance can pay for your defense and court costs. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for all types of medical or funeral expenses. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This type of insurance protection covers all non-collision damages. This may include fire damage, vandalism, and theft. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without having the right amount of car 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 might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other types of coverage, including car rental and emergency road service, are also available. Car Insurance Groveland

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