Everything You Need to Know About Automobile Insurance

There are more drivers hitting the road every year. As this number goes up, the chances of a car accident will also increase. The difference between a small aggravation and large obstacle can be the car insurance you have purchased. How can you decide what insurance you need and how to purchase it? Your insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Car insurance is required by state law. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. It can also cover your defense and court costs if you are sued. State laws typically mandate standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance can also pay for lost wages, replacement of services and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this type of coverage is purchased, the insured person will receive coverage for all types of medical and funeral costs. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the proper amount of car insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other kinds of car insurance, such as car rental, can also be purchased. Car Insurance Groveland