Buying Insurance Coverage More Than Just Money

Every year, more cars and drivers are on the roads. This could lead to an increased likelihood of a car accident. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. How can you determine what insurance you require and where you should go to buy it? Mandated coverage varies by state/province but typically includes the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. This insurance can also pay for lost wages, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other types of coverage, like car rental and emergency road service, are also available. Car Insurance Groveland

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