Each year, more drivers travel the highways. As this number goes up, the chances of a car collision will also increase. If you get in a car crash, the car insurance you have can make a large difference in how much you have to pay. But why do you need to own insurance and just how much should you buy? Car accidents can lead to a variety of different expenses, which your car insurance might be able to pay for based on the type of coverage you own. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. If you are in legal trouble, it also pays your legal fees. Local laws typically require standard amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is required in some states and optional in others. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage is available in non-no-fault states 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: This pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without enough insurance protection. Other types of car insurance, like car rental, can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some drivers think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. Car Insurance Groveland
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