Insurance and How It Helps You

Each year, more drivers travel our roads and freeways. With the increasing number of vehicles on the road, accidents can happen. The difference between a little aggravation and large obstacle can be car insurance. How can you determine what insurance you need and how to purchase it? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Automobile insurance is required by state law. Electing to drive without 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 the expenses you are responsible for in a car collision, including injury and property damage. If you are sued, it also pays your defense and court costs. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This is required 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 law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for an accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: This type of insurance covers any non-collision damages. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the proper amount of car insurance. This type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, including: * Which policies you select * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial dilemma. Review your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. Car Insurance Groveland