Your Insurance Coverage Always Working For You

Each year, more cars travel our roads and freeways. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car wreck, the car insurance you own can make a large difference in what happens next. So how can you figure out which type of insurance you need and how much to buy? Coverage requirements vary by state/province, but typically include the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages may include personal injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the accident. It is mandated in some states and optional in others. It can also pay for lost wages, replacement of services and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who may have been at fault. If you buy this type of coverage, you will receive payment for necessary medical or funeral costs. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Other kinds of coverage, such as emergency road service and car rental, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial dilemma. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. Car Insurance Groveland

[Top]