The amount of drivers on the road increases each and every year. This can lead to an increased likelihood of a car accident for you and your family. If you get in a car crash, the car insurance you own can make a big difference in how much you have to pay. So how can you figure out which type of insurance you need and how much to buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Auto insurance is required by state law. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased 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 or other people in your car, no matter who was at fault in the accident. It is required in some states and optional in others. It may also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who may be responsible. If this policy is purchased, the insured person will receive coverage for necessary medical or funeral costs. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other types of coverage, including car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some have come to think of auto insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that best suits you. Car Insurance Groveland
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