Your Auto Insurance Plan

Each year, more cars and drivers travel the roads. With so many vehicles on the road, accidents will happen. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. So how can you find out what insurance you need and the quantity you should buy? Auto insurance provides you with protection from covering the cost of damage caused to your car or someone else's car and injury to others, yourself, or passengers in your car, plus certain other incidents, such as theft. No matter where you are living, you will need to buy some variety of car insurance. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. State law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: This pays for damages to your car caused by an accident. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the right amount of insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Other kinds of car insurance, like emergency road service, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many drivers don't want to pay for car insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. Car Insurance Groveland