There are more drivers hitting the road every year. With so many vehicles on the road, accidents can happen. Automobile insurance can be the difference between a small setback and a large trial. How can you decide what insurance you require and how to buy it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Pays for expenses due to personal injury and damage to property that you are responsible for. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is mandated 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. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may have been at fault. If you buy this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: Pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without sufficient insurance protection. Other kinds of coverage, such as car rental, are also available. Your car insurance payments varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Some drivers think they can get by without auto insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. Car Insurance Groveland
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