Insurance and What It Means To You
There are more cars on the road every year. As this number goes up, the chances of a car wreck will also increase. If you get in a car crash, the car insurance you own can make a big difference in how much you have to pay. How can you determine what insurance you require and where you should go to buy it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. No matter where you are living, you will need to buy some type of car insurance. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Pays for damages due to bodily injury and property damage to others when you are responsible. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, no matter who was at fault in the accident. It is required in some states and optional in others. It may also cover lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy has been bought, the insured person will receive coverage for reasonable medical or funeral expenses. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance covers any damages not caused by a collision. This could include weather damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without enough insurance protection. Other types of car insurance, including emergency road service, can also be purchased. Car Insurance Groveland