Your Auto Insurance Plan

Each year, more cars and drivers hit the highways. With so many vehicles on the road, accidents will happen. The difference between a small bother and large obstacle can be car insurance. So how do you know what insurance you need and how much to buy? Insurance requirements vary by state/province, but typically include the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. It can also cover your legal fees if you are sued. Local laws typically mandate standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance 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 pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a collision. It pays for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by another person who does not have insurance. 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 types of coverage, including emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't wait around to buy car insurance; you shouldn't drive a car without it. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Car Insurance Groveland