Extensive Insurance Coverage

You will see more drivers on the road every year. This could lead to an increased likelihood of a collision. If you get in a car accident, the car insurance you have can make a large difference in the experience you have. But why do you need insurance and just how much do you need? Coverage requirements vary by state/province, but typically include the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to damaged property and loss of use of property. It can also cover your legal fees if you are sued. State laws typically require minimum amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the collision. It is required in some states and optional in others. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for a crash. It pays for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without purchasing the right amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Car Insurance Groveland