Your Insurance Coverage Always Working For You

Every year, more cars and drivers hit our roads and freeways. As this number increases, the possibility of accidents also increases. Car insurance can make the difference between a small setback and a major trial. But why do you need insurance and just how much should you buy? Coverage requirements vary by state/province, but typically include the following: Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs and loss of use of property. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance are available 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. 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. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for damages when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Other kinds of car insurance, such as car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: * What coverage you select * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Many drivers don't want to pay for car insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. Car Insurance Groveland