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Financial Security and Your Insurance Coverage

Each year, more cars travel our roads and freeways. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the auto insurance you own can make a large difference in how much you have to pay. But why do you need insurance and just how much should you buy? Car insurance provides you with protection from covering the cost of damage caused to your vehicle or another person's vehicle and injury to others, yourself, or your passengers, and certain other situations, such as burglary. Every state and province mandates automobile insurance by law. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. It can also cover lost wages, service replacement and funeral expenses. Local government usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who may be responsible. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the right amount of auto insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without sufficient insurance protection. Other kinds of car insurance, including emergency road service, are also available. Your auto insurance payments vary by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people don't want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. Car Insurance Groveland