There are more drivers hitting the road each year. This could lead to a higher possibility of a car accident. The difference between a little aggravation and major obstacle can be the car insurance you own. But why is insurance important and just how much do you need? Car insurance protects you by covering the cost of injury or damage you cause others while driving your car, damage to your vehicle or personal injury or injury to your passengers from a crash, and certain other situations, such as theft. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Liability pays for expenses due to personal injury and property damage to others where you are responsible. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to damaged property or loss of property use. If you are in legal trouble, it also pays your defense and court costs. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was at fault in the collision. It is mandated in some states and optional in others. Local government typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Car Insurance Groveland
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