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Insurance and How It Helps You

We see more and more cars on the road each year. As this number increases, the possibility of accidents also increases. If you get in a car crash, the auto insurance you have can make a large difference in how much you have to pay. But why do you need insurance and just how much should you get? Car insurance provides you with protection from covering the cost of injury or damage you inflict on others while you are driving, damage to your car or injury to you or your passengers from a crash, plus certain other situations, such as robbery. Choosing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to car repair costs or loss of use of property. It also covers your defense and court costs if you are sued. State laws typically mandate minimum amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, no matter who was at fault in the crash. It is occasionally referred to as no-fault coverage. This insurance may also pay for lost earnings, replacement of services and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who may be responsible. If this type of coverage has been bought, the insured person will receive payment for reasonable medical and funeral costs. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Car Insurance Groveland