Your Insurance Coverage Always Working For You

There are more cars and drivers on the road every year. With the increasing number of vehicles on the road, accidents will happen. If you get in a car wreck, the car insurance you have can make a large difference in the experience you have. But why is insurance important and just how much do you need? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the accident. It is mandated in some states and optional in others. This insurance can also pay for lost earnings, service replacement and funeral expenses. State law usually sets minimum amounts. 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. This insurance will pay for an insured person's necessary medical and funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without enough insurance coverage. Other policies, including car rental and emergency road service, are also available. Car Insurance Groveland