Comprehensive Home Insurance Policies

Every year, more drivers hit the highways. As this number goes up, the chances of a car wreck will also increase. If you get in a car wreck, the car insurance you own can make a big difference in how much you have to pay. So how can you figure out which type of insurance you need and how much to buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the accident. It is mandated in some states and optional in others. State government typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. 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 cover the full cost of the damages. Other types of coverage, such as car rental and emergency road service, are also available. Car Insurance Groveland