What Auto Insurance Means to You

There are more drivers hitting the road every year. With the increasing number of vehicles on the road, crashes will happen. Automobile insurance can be the difference between a minor inconvenience and a large trial. But why do you need insurance and just how much do you need? Auto insurance provides you with protection from covering the cost of damage or injury you inflict on others while driving your car, damage to your vehicle or personal injury or injury to your passengers from an accidents, and specific other occurrences, such as robbery. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: This type of insurance will pay for the damage that you have caused. These damages might include bodily injury, and property damage. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is required 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. It 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: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: Protect 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: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other policies, such as car rental and emergency road service, are also available. Car Insurance Groveland