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Financial Security and Your Homeowners Coverage

Every year, more cars and drivers hit the roads. With countless vehicles on the road, crashes will happen. The difference between a small bother and major obstacle can be the car insurance you have purchased. How can you determine what insurance you require and how to buy it? Mandated coverage varies by state/province but usually includes the following: Liability: This type of insurance will pay for the damage that you have caused. These damages might include bodily injury, and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. It also covers your legal fees if you are sued. Local laws usually require minimum amounts of liability insurance, but larger amounts can be purchased and are very beneficial. 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 wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without owning the proper amount of auto insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, including: * What coverage you select * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. 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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