Automobile Insurance and You

The amount of cars and drivers on the road increases each year. With the increasing number of vehicles on the road, crashes can happen. If you get in a car accident, the car insurance you have can make a large difference in what happens next. So how can you figure out which type of insurance you need and how much you should buy? Coverage requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages include medical expenses, and lost wages. Property damage includes damaged property and loss of property use. It can also cover your legal fees if you are sued. State laws typically mandate standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was responsible for the crash. It is commonly called no-fault coverage. State government typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays despite who carries responsibility for an accident. If this policy has been purchased, the insured person will receive coverage for reasonable medical or funeral costs. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance protection covers any non-collision damages. This may include hail damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance protection. Other types of coverage, including car rental, are also available. Car Insurance Groveland