Every year, more cars and drivers are on the highways. As this number goes up, the chances of a car accident will also increase. The difference between a small bother and large pain can be your car insurance. So how can you find out what insurance you need and how much to purchase? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. No matter where you are living, you will need to buy some type of auto insurance. By not owning insurance, you run the risk of having to pay the full price of any harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes damaged property or loss of property use. If you are in legal trouble, liability insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required 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. It may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Pays for damages to your car caused by an accident. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Other types of car insurance, like car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the support of your insurance agent, choose the option that fits you best. Car Insurance Groveland
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