Each year, more cars travel our roads and freeways. With countless vehicles on the road, crashes will happen. Automobile insurance can make the difference between a minor inconvenience and a major hassle. So how can you figure out which type of insurance you need and how much to buy? Required coverage varies based on the 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. It also covers your defense and court costs if you are sued. Local laws typically require standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also cover lost earnings, service replacement and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a collision. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance protection. Other types of coverage, like car rental, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: * What coverage you select * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many drivers think they can get by without auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. Car Insurance Groveland
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