Your Automobile Insurance Plan

There are more cars on the road every year. With so many vehicles on the road, accidents are going to happen. Automobile insurance can be the difference between a small inconvenience and a large hassle. How can you decide what insurance you need and how to buy it? Coverage requirements will differ by state/province, but usually include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It can also cover your defense and court costs if you are sued. Local laws usually require standard 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. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. Local government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for reasonable medical and funeral expenses. Collision: This pays for damages to your car caused by a collision. Comprehensive: Cover your car from damages from other sources by purchasing this type of coverage. This may include protection from burglary, 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: This pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have enough liability insurance to cover the total amount of the damages. Other policies, like emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. Car Insurance Groveland