Your Insurance Policy Always Working For You
Each year, more automobiles and drivers hit America's roads. As this number increases, the chances of a car accident will also go up. The difference between a little bother and major obstacle can be car insurance. How can you decide what insurance you require and how you can purchase it? Mandated coverage varies based on the state/province but typically includes the following: Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This 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 may also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive coverage for all types of medical or funeral expenses. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Other policies, like car rental, are also available. Car Insurance Groveland