Extensive Insurance Coverage

Every year, more cars and drivers travel the highways. This can lead to an increased likelihood of a collision. The difference between a small bother and large pain can be your car insurance. But why do you need insurance and just how much should you get? Coverage requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. This insurance may also cover lost earnings, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this policy is bought, the insured person will receive payment for reasonable medical or funeral costs. Collision: Pays for damage to your car caused by a collision. Comprehensive: This type of insurance takes care of any non-collision damages. This may include weather damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to cover the total amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for auto insurance varies by company and will depend on multiple 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 drivers think they can get by without auto insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best. Car Insurance Groveland