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Buying Home Insurance About More Than Money

The number of cars and drivers on the road increases each year. As this number increases, the chances of a car accident will also increase. If you get in a car accident, 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 to buy? Auto insurance protects you by paying for injury or damage you cause others while driving your car, damage to your vehicle or injury to you or your passengers from a crash, plus specific other situations, such as robbery. Without insurance, you run the risk of having to pay the total price of any harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to damaged property or loss of property use. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the collision. It is commonly referred to as no-fault coverage. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who may have been at fault. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the right amount of car insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other kinds of car insurance, such as car rental, are also available. Car Insurance Groveland