We see more and more drivers on the road every year. With countless vehicles on the road, accidents can happen. Automobile insurance can be the difference between a small inconvenience and a major hassle. But why is insurance required by law and just how much should you buy? Car accidents can lead to a variety of different expenses, which can all be paid for based on the type of coverage you own. Automobile insurance is required by state law. By not owning insurance, you run the risk of having to pay the total price of the harm or injury you cause others. Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the crash. It is required in some states and optional in others. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: This pays for damages to your car caused by a collision. Comprehensive: This kind of insurance protection covers any damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: Many drivers 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 kinds of car insurance, including car rental, are also available. Car Insurance Groveland
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