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How Does Automobile Insurance Work?

You will see more and more cars on the road each year. With so many vehicles on the road, accidents will happen. Automobile insurance can be the difference between a minor inconvenience and a major trial. So how can you find out what type of car insurance you need and how much to buy? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Local laws usually mandate standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the collision. It is commonly referred to as no-fault coverage. This insurance may also pay for lost earnings, service replacement and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a collision will be paid for under this kind of car insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other kinds of coverage, including emergency road service and car rental, can also be purchased. Car Insurance Groveland