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Buying Insurance About More Than Money

Every year, more cars and drivers are on the roads. This could lead to a higher possibility of a collision. If you get in a car crash, the auto insurance you have can make a large difference in the experience you have. But why do you need insurance and just how much do you need? Car insurance protects you by covering the cost of damage caused to your car or another person's car and injury to others, yourself, or passengers in your car, plus specific other occurrences, such as theft. By not owning insurance, you risk having to pay the total cost of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Pays for damages due to bodily injury and property damage to others that you have caused. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to damaged property or loss of property use. If you are sued, this type of insurance will pay for your legal fees. State laws usually mandate standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, regardless of who was responsible for the collision. It is required in some states and optional in others. It may also pay for lost earnings, service replacement and funeral costs. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy has been bought, the insured person will receive payment for all types of medical or funeral costs. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other kinds of car insurance, like emergency road service, can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many people think they can get by without auto insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Car Insurance Groveland