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What Automobile Insurance Means to You

There are more cars and drivers on the road each year. With so many vehicles on the road, accidents will happen. The difference between a small aggravation and large pain can be the car insurance you have purchased. But why is insurance necessary and just how much should you get? Insurance requirements will differ by state/province, but typically include the following: Liability: Liability pays for expenses due to personal injury and damage to property for which you are responsible. Bodily injury damages can include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. It can also cover your legal fees if you are sued. State laws typically require standard amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance 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. This insurance can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who carries responsibility for an accident. If this type of coverage is purchased, the insured person will receive coverage for all types of medical or funeral expenses. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance takes care of any non-collision damages. This could include hail damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the proper amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Car Insurance Groveland

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