Why You Need Car Insurance

There are more drivers hitting the road every year. With the increasing number of vehicles on the road, crashes can happen. Automobile insurance can be the difference between a small setback and a major hassle. But why do you need to own insurance and exactly how much should you purchase? Auto insurance provides you with protection from covering the cost of damage caused to your vehicle or another person's vehicle and injury to others, yourself, or your passengers, and certain other situations, such as theft. Auto insurance is required by law in all states and provinces. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Liability pays for damages due to bodily injury and damage to property where you are responsible. If you are sued, this type of insurance will pay for your court costs. Local laws typically mandate standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This is required 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. It may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive coverage for reasonable medical or funeral costs. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the right amount of insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, such as car rental and emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Some drivers think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. Car Insurance Groveland