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Buying Insurance Coverage About More Than Money

The number of cars and drivers on the road increases every year. This can lead to an increased likelihood of a car accident for you and your family. The difference between a little aggravation and major pain can be the car insurance you have purchased. So how can you figure out which type of insurance you need and how much you should buy? Insurance requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. If you are sued, it also pays your legal fees. Local laws usually require standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is required in some states and optional in others. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's necessary medical or funeral expenses resulting from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. 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. Your auto insurance payments varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people may not want to pay for car insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Groveland