Each year, more automobiles and drivers travel the highways. As this number goes up, the chances of a car accident will also increase. If you get in a car crash, the auto insurance you own can make a big difference in how much you have to pay. So how do you know what type of car insurance you need and the quantity you should purchase? Auto insurance provides you with protection from covering the cost of damage caused to your car or another person's car and injury to others, yourself, or your passengers, plus certain other incidents, such as robbery. Choosing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury include medical fees, and lost wages. Property damage includes damaged property and loss of use of property. If you are sued, this type of insurance will pay for your legal fees. Recommended, higher levels of insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. This insurance can also pay for lost earnings, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of insurance. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other policies, including car rental, are also available. Car Insurance Groveland
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