Extensive Insurance Coverage

Each year, more drivers hit our roads and freeways. As this number increases, the possibility of accidents also increases. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. So how can you figure out what insurance you need and how much to buy? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. By not purchasing insurance, you run the risk of having to pay the total cost of any harm or injury you cause others. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property and loss of use of property. It can also cover your defense and court costs if you are sued. Local laws typically require minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This is mandated 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, replacement of services and funeral costs. Local government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. Other types of coverage, such as car rental, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many drivers think they can get by without auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. Car Insurance Groveland