There are more cars and drivers hitting the road each year. With countless vehicles on the road, accidents can happen. The difference between a small bother and major pain can be your insurance. How can you decide what type of insurance you require and how to buy it? Mandated coverage varies based on the state/province but usually includes 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. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of property use. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, no matter who was at fault in the accident. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who may be responsible. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the right amount of car insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against people driving without enough insurance protection. Other policies, such as emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: * What coverage you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't wait around to buy auto insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Groveland
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