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Insurance and You

Each year, more cars hit the highways. As this number goes up, the chances of a car accident will also go up. If you get in a car accident, the auto insurance you have can make a big difference in what happens next. But why do you need to own insurance and exactly how much should you purchase? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. By not purchasing insurance, you risk having to pay the full cost of the harm or injury you cause others. Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. It can also cover your defense and court costs if you are sued. Local laws usually mandate standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is mandated in some states and optional in others. This insurance may 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: This coverage is available in states that are not considered no-fault; it pays despite who may be responsible. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral costs. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage 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 covers you in accidents involving those drivers. Other policies, such as car rental, are also available. Car Insurance Groveland