Everything You Need to Know About Auto Insurance

Every year, more cars and drivers hit the highways. As this number goes up, the chances of a car wreck will also go up. If you get in a car wreck, the car insurance you have can make a large difference in what happens next. So how do you know which type of insurance you need and how much you should buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. If you are in legal trouble, liability insurance can pay for your court costs. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the lower, state-mandated insurance. 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 government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Car Insurance Groveland

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