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Your Homeowners Insurance Policy Always Working For You

The number of drivers on the road increases each year. As this number increases, the chances of a car accident will also go up. Car insurance can be the difference between a minor inconvenience and a major hassle. But why do you need to own insurance and exactly how much should you purchase? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. If you are in legal trouble, it also pays your court costs. State laws usually mandate standard amounts, but larger amounts are available and extremely helpful. 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. It may also cover lost wages, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy has been purchased, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the right amount of auto insurance. This insurance will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by a driver who does not have enough liability insurance to cover the total amount of the damages. Other types of coverage, such as emergency road service, can also be purchased. Car Insurance Groveland