The FarReaching Benefits of Your Homeowners Insurance Policy

Every year, more drivers travel the highways. This can lead to a higher possibility of a collision for you and your family. If you get in a car wreck, the car insurance you own can make a big difference in what happens next. How can you determine what insurance you require and how to purchase it? Auto insurance protects you by paying for damage caused to your car or another person's car and injury to others, yourself, or your passengers, and specific other situations, such as theft. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may be responsible. If you purchase this type of coverage, you will receive coverage for necessary medical or funeral expenses. Collision: Pays for damages to your car caused by a collision. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Other types of coverage, including emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: * Which policies you select * The make and model of the car you own * Your driving record * Your age, sex and marital status * The place where you live Some drivers think they can get by without car insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. Car Insurance Groveland