Comprehensive Homeowners Insurance Policies

Every year, more automobiles and drivers are on the highways. With so many vehicles on the road, crashes will happen. The difference between a little aggravation and large pain can be your car insurance. But why do you need insurance and just how much should you get? Mandated coverage varies based on the state/province but usually includes the following: Liability: It pays for damages due to personal injury and damage to property that you have caused. If you are sued, this type of insurance will pay for your court costs. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was at fault in the crash. It is required in some states and optional in others. State law usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who may be responsible. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Pays for damages to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the right amount of car insurance. This type of coverage will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Other kinds of car insurance, such as car rental, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some people don't want to pay for car insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. Car Insurance Groveland