Comprehensive Insurance Policies

Every year, more drivers travel America's roads. This could lead to an increased likelihood of a collision for you and your family. If you get in a car wreck, the car insurance you own can make a large difference in what happens next. But why do you need insurance and just how much should you purchase? Insurance requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are sued, it also pays your legal fees. State laws typically mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. 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. This insurance may also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Car Insurance Groveland