Your Homeowners Insurance Policy Always Working For You

There are more cars and drivers on the road each year. With countless vehicles on the road, crashes can happen. If you get in a car crash, the car insurance you have can make a big difference in what happens next. How can you decide what insurance you need and how to buy it? Required coverage varies by state/province but typically includes the following: Liability: Pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage includes damaged property and loss of use of property. It also covers your legal fees if you are sued. Local laws typically require standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the accident. It is sometimes referred to as no-fault coverage. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. This insurance will pay for all insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the proper amount of car insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Car Insurance Groveland