Buying Insurance Coverage About More Than Money

There are more cars hitting the road every year. As this number goes up, the possibility of accidents also goes up. Car insurance can make the difference between a minor setback and a large hassle. But why is insurance required by law and just how much do you need? Coverage requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. If you are sued, it also pays your court costs. Recommended, higher levels of liability insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This is mandated 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. It can also pay for lost wages, replacement of services and funeral costs. State government 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. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Other types of coverage, like car rental, can also be purchased. Car Insurance Groveland