How Does Car Insurance Work?

You will see more drivers on the road each year. As this number increases, the possibility of accidents also increases. If you get in a car accident, the auto insurance you have can make a big difference in the experience you have. But why is insurance required by law and just how much do you need? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: It pays for the expenses you are responsible for in a car collision, including property damage and injury. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, no matter who was responsible for the accident. It is required in some states and optional in others. This insurance may also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. If this policy is bought, the insured person will receive coverage for necessary medical or funeral costs. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include flood damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance protection. Other kinds of coverage, including emergency road service, can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy auto insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the help of your insurance agency, choose the option that best suits you. Car Insurance Groveland