There are more drivers hitting the road each year. As this number increases, the chances of a car wreck will also increase. If you get in a car accident, the auto insurance you have can make a big difference in what happens next. How can you decide what insurance you need and how to buy it? Mandated coverage varies by state/province but typically includes the following: Liability: Liability pays for the expenses you have caused to others in a car accident, including injury and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. It also covers your defense and court costs if you are sued. Local laws typically mandate minimum amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the collision. It is occasionally called no-fault coverage. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include flood damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other kinds of coverage, such as car rental, are also available. Car Insurance Groveland
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