Every year, more drivers hit the highways. As this number increases, the possibility of accidents also increases. Car insurance can make the difference between a small inconvenience and a major hassle. How can you determine what insurance you need and how to buy it? Insurance requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required 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 government typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy is bought, the insured person will receive payment for all types of medical or funeral costs. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance takes care of any non-collision damages. This could include hail damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the proper amount of insurance. This insurance will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Other types of coverage, including car rental and emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: * Which policies you choose * The type of the car you own * Your driving record * Your age, gender and marital status * Where you live Some drivers think they can get by without auto insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the help of your insurance agency, choose the option that best suits you. Car Insurance Groveland
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