The amount of drivers on the road increases each year. This could lead to a higher possibility of a car accident for you and your family. The difference between a little bother and major obstacle can be the car insurance you have purchased. So how can you figure out what insurance you need and how much to buy? Insurance requirements vary by state/province, but usually include the following: Liability: Pays for damages due to bodily injury and damage to property where you are responsible. It can also cover your legal fees if you are sued. Local laws usually require minimum amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was responsible for the crash. It is commonly called no-fault coverage. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who may be responsible. It pays for an insured person's necessary medical or funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: This pays for collision expenses when an insured person is in a crash caused by a driver who does not have enough liability insurance to pay for the total cost of the damages. Other kinds of car insurance, such as emergency road service and car rental, can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: * Which policies you select * The make and model of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. Car Insurance Groveland
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