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Comprehensive Insurance Policies

Each year, more automobiles and drivers travel the highways. With the increasing number of vehicles on the road, crashes will happen. The difference between a little aggravation and large pain can be the car insurance you have purchased. But why is insurance important and just how much should you get? Mandated coverage varies based on the state/province but typically includes the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes damaged property and loss of property use. It can also cover your legal fees if you are sued. State laws typically require minimum amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was responsible for the accident. It is required in some states and optional in others. This insurance can also pay for lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who may be responsible. This insurance will pay for an insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the right amount of auto insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other types of coverage, like emergency road service and car rental, are also available. Car Insurance Groveland

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