Comprehensive Insurance Coverage

We see more cars on the road every year. This can lead to a higher possibility of a collision. The difference between a small aggravation and large pain can be your car insurance. But why do you need insurance and just how much should you get? Mandated coverage varies based on the state/province but usually includes the following: Liability: It pays for damages due to personal injury and property damage to others that you are responsible for. It also covers your legal fees if you are sued. Local laws usually mandate minimum amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: This is required 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. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who may be responsible. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without enough insurance protection. Other types of coverage, including car rental and emergency road service, are also available. Car Insurance Groveland

[Top]