The FarReaching Benefits of Your Homeowners Insurance Policy

The amount of drivers on the road increases each and every year. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a small setback and a large hassle. So how do you know which type of insurance you need and how much you should buy? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Liability pays for damages due to bodily injury and damage to property when you are responsible. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This 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. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who may have been at fault. This insurance will pay for all insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other types of coverage, such as emergency road service, are also available. Car Insurance Groveland