Comprehensive Insurance Policies

There are more drivers hitting the road each year. As this number increases, the possibility of accidents also increases. If you get in a car crash, the auto insurance you have can make a big difference in the experience you have. How can you decide what type of insurance you need and how to buy it? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. It also covers your legal fees if you are sued. State laws typically mandate minimum 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, regardless of who was responsible for the accident. It is occasionally called no-fault coverage. It may also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who carries responsibility for an accident. If this policy is bought, the insured person will receive payment for necessary medical or funeral expenses. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This may include weather damage, vandalism, and burglary. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other policies, like car rental, are also available. What you pay for auto insurance varies based on the company and will depend on several 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 have consider auto insurance as a necessary evil, but it can truly save you from a financial mess. Review your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. Car Insurance Groveland