Every year, more cars and drivers are on the roads. As this number increases, the chances of a car accident will also increase. Car insurance can be the difference between a minor inconvenience and a large trial. How can you determine what type of insurance you require and where you should go to buy it? Car insurance provides you with protection from covering the cost of injury or damage you cause others while driving your car, damage to your car or injury to you or your passengers from an accidents, and specific other situations, such as theft. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: It pays for the expenses you are responsible for in a car collision, including injury and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes car repair costs or loss of use of property. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This 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 can also pay for lost earnings, replacement of services and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damages to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other types of coverage, including emergency road service and car rental, are also available. Car Insurance Groveland
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