Insurance and How It Helps You

There are more cars and drivers hitting the road every year. With the increasing number of vehicles on the road, crashes are going to happen. The difference between a small aggravation and large pain can be automobile insurance. So how do you know 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: Pays for damages due to personal injury and damage to property for which you are responsible. Damages from bodily injury include medical expenses, and lost wages. Property damage includes damaged property or loss of property use. If you are sued, it also pays your legal fees. Local laws typically mandate minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance 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. This insurance may also cover lost earnings, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for an accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This type of insurance covers all damages not caused by a collision. This could include hail damage, vandalism, and theft. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without enough insurance coverage. Other types of coverage, including car rental, are also available. Car Insurance Groveland

Comments Off