Purchasing Home Insurance About More Than Money

Every year, more drivers hit our roads and freeways. With the increasing number of vehicles on the road, accidents will happen. Car insurance can make the difference between a minor inconvenience and a large hassle. But why do you need to own insurance and just how much should you purchase? Required coverage varies by state/province but typically includes the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This is required 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 cover lost wages, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this policy is purchased, the insured person will receive payment for necessary medical and funeral costs. Collision: This pays for damages to your car caused by an accident. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the proper amount of insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't procrastinate buying auto insurance; you shouldn't drive a car without it. Review your needs, do your research , and with the support of your insurance agent, make the decision that best suits you. Car Insurance Groveland