Purchasing Insurance It's Not About The Money

The number of cars on the road increases every year. With the increasing number of vehicles on the road, crashes are going to happen. If you get in a car crash, the auto insurance you own can make a large difference in what happens next. 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 expenses due to personal injury and property damage to others where you are responsible. If you are in legal trouble, this type of insurance can pay for your defense and court costs. Recommended, higher levels of insurance are available that take care of more 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. Local government typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. It pays for all insured person's reasonable medical and funeral expenses resulting from a crash. Collision: Pays for damage to your vehicle caused by a collision. 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 ignoring the law by driving without owning the proper amount of auto insurance. This type of coverage will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Car Insurance Groveland