What Auto Insurance Means to You
- 5 31, 2019
- |Car and Motorcycle Insurance
- No Comments
Each year, more cars and drivers are on the highways. With the increasing number of vehicles on the road, crashes will happen. The difference between a small bother and major pain can be your car insurance. So how do you know what type of car insurance you need and how much to purchase? Required coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are in legal trouble, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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 typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the proper amount of car insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without enough insurance coverage. Other kinds of car insurance, including car rental, can also be purchased. Car Insurance Groveland