Buying Home Insurance It's Not About The Money

You will see more and more cars on the road each year. As this number increases, the chances of a car accident will also increase. If you get in a car accident, the auto insurance you have can make a big difference in how much you have to pay. So how can you find out what type of car insurance you need and how much to purchase? Auto insurance protects you by covering the cost of damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or your passengers, and certain other occurrences, such as robbery. No matter where you live, you will need to purchase some type of auto insurance. Electing to drive without owning 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: It pays for the expenses you are responsible for in a car collision, including property damage and injury. If you are in legal trouble, liability insurance can pay for your legal fees. State laws usually mandate standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, regardless of who was at fault in the collision. It is sometimes called no-fault coverage. This insurance can also cover lost earnings, replacement of services and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to cover the full cost of the damages. Other types of car insurance, like emergency road service and car rental, can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think they can get by without auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. Car Insurance Groveland