Your Insurance Policy Always Working For You

The number of cars on the road increases each and every year. As this number goes up, the chances of a car wreck will also go up. Car insurance can make the difference between a minor setback and a major hassle. How can you decide what insurance you need and how you can buy it? Required coverage varies based on the state/province but typically includes the following: Liability: It pays for expenses due to bodily injury and damage to property that you are responsible for. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance are available that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the accident. It is commonly referred to as no-fault coverage. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: * What coverage you choose * The type of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Many people don't want to pay for car insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. Car Insurance Groveland