Purchasing Insurance Protection About More Than Money
There are more cars and drivers hitting the road every year. With countless vehicles on the road, crashes are going to happen. The difference between a little aggravation and large pain can be your insurance. So how do you know which type of insurance you need and how much to buy? Required coverage varies by state/province but usually includes the following: Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages can include personal injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. It also covers your legal fees if you are sued. State laws usually require minimum amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, regardless of who was responsible for the accident. It is mandated in some states and optional in others. It can also pay for lost earnings, service replacement and funeral costs. State law usually sets minimum amounts. 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. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without having the proper amount of auto insurance. This type of coverage will protect you if you are in an accident with one of these irresponsible drivers. 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 enough liability insurance to pay for the full cost of the damages. Other types of coverage, like emergency road service and car rental, are also available. Car Insurance Groveland