Every year, more cars and drivers travel the highways. This could lead to an increased likelihood of a collision. If you get in a car wreck, the car insurance you own can make a big difference in the experience you have. But why do you need insurance and just how much should you buy? Coverage requirements vary by state/province, but typically include the following: Liability: This type of insurance can pay for the damage that you have caused. These damages might include bodily injury, and property damage. It can also cover your legal fees if you are sued. Local laws typically require standard amounts, but higher amounts are available and usually recommended. 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. It may also pay for lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this type of coverage has been purchased, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving without having the proper amount of car insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other policies, such as emergency road service, are also available. Your car insurance payments varies based on the company and will depend on several factors, such as: * Which policies you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many drivers may not want to pay for car insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. Car Insurance Groveland
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