Each year, more cars and drivers hit the highways. With so many vehicles on the road, accidents will happen. Automobile insurance can be the difference between a small setback and a large trial. How can you decide what insurance you need and how to buy it? Insurance requirements vary by state/province, but typically include the following: Liability: It pays for damages due to bodily injury and damage to property for which you are responsible. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, this type of insurance can pay for your court costs. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for a collision. If this type of coverage is bought, the insured person will receive coverage for necessary medical or funeral costs. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the proper amount of car insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * What coverage you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people think they can get by without car insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. Car Insurance Groveland
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