Insurance and What It Means To You

Every year, more cars travel our roads and freeways. This can lead to an increased likelihood of a collision for you and your family. If you get in a car crash, the car insurance you own can make a big difference in how much you have to pay. How can you determine what insurance you require and how you can buy it? Coverage requirements will differ by state/province, but usually include the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. If you are in legal trouble, liability insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the crash. It is mandated in some states and optional in others. This insurance can also cover lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in non-no-fault states; it pays despite who carries responsibility for a crash. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: This pays for damages to your car caused by a collision. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This could include hail damage, vandalism, and burglary. Uninsured Motorist: This 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 hit-and-run driver. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Car Insurance Groveland

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