Your Auto Insurance Plan

There are more cars and drivers hitting the road every year. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the car insurance you own can make a big difference in what happens next. So how do you know what insurance you need and how much you should buy? Insurance requirements vary by state/province, but usually include the following: Liability: It pays for damages due to personal injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. If you are sued, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. Local law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may have been at fault. If this type of coverage is purchased, the insured person will receive coverage for reasonable medical or funeral costs. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance protection covers any non-collision damages. This could include fire damage, vandalism, and burglary. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the right amount of auto insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without sufficient insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * What coverage you select * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * The place where you live Some have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Groveland

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