Comprehensive Home Insurance Policies

We see more and more cars on the road each year. This can lead to an increased likelihood of a car accident. 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 find out what insurance you need and how much to purchase? Insurance requirements vary by state/province, but typically include the following: Liability: It pays for expenses due to bodily injury and damage to property where you are responsible. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. If you are sued, it also pays your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated varieties. 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. State law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who may be responsible. It pays for all insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without enough insurance protection. Other kinds of car insurance, including car rental, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Car Insurance Groveland