The amount of drivers on the road increases every year. This can lead to a higher possibility of a collision for you and your family. Car insurance can make the difference between a minor inconvenience and a major hassle. But why do you need to own insurance and exactly how much should you buy? Insurance requirements will differ by state/province, but usually include the following: Liability: This kind of insurance will pay for the damage that you have caused. These damages may include personal injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are in legal trouble, this type of insurance can pay for your defense and court costs. State laws usually mandate minimum amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This 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. It can also pay for lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of insurance. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Other policies, such as emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some drivers may not want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. Car Insurance Groveland
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