The WideRanging Benefits of Your Homeowners Insurance Policy

We see more drivers on the road each year. With countless vehicles on the road, accidents can happen. Car insurance can be the difference between a small setback and a large hassle. So how do you know what type of car insurance you need and how much to purchase? Insurance requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are sued, liability insurance can pay for your legal fees. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This is mandated 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 typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive coverage for reasonable medical and funeral expenses. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when an insured person is in an accident caused by another person 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 responsible for. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Car Insurance Groveland