The amount of cars and drivers on the road increases each and every year. 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 have can make a large difference in how much you have to pay. But why do you need insurance and exactly how much should you purchase? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. If you are sued, this type of insurance can pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was responsible for the accident. It is required in some states and optional in others. This insurance may also cover lost earnings, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Pays for damage to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the right amount of insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without enough insurance coverage. Other types of coverage, such as emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you choose * The type of the car you drive * Your driving record * Your age, gender and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. Car Insurance Groveland
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