There are more cars and drivers on the road every year. With the increasing number of vehicles on the road, crashes will happen. The difference between a little bother and large pain can be the car insurance you own. So how can you find out what type of car insurance you need and the quantity you should buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: Pays for expenses due to personal injury and damage to property that you are responsible for. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the accident. It is sometimes referred to as no-fault coverage. This insurance may also pay for lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: This pays for damages to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Other types of car insurance, like emergency road service and car rental, can also be purchased. Car Insurance Groveland
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