Types of Car Insurance Coverage

Each year, more cars and drivers hit the roads. This can lead to an increased likelihood of a collision. Automobile insurance can make the difference between a minor setback and a major trial. So how do you know what type of car insurance you need and how much to purchase? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. No matter where you are living, you are required to purchase some variety of car insurance. By not purchasing insurance, you run the risk of having to pay the total price of the harm you cause others. Liability: Pays for expenses due to personal injury and damage to property when you are responsible. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. If you are in legal trouble, liability insurance will pay for your legal fees. Recommended, higher levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is mandated in some states and optional in others. It can also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Car Insurance Groveland