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Extensive Insurance Coverage

Every year, more cars hit our roads and freeways. This could lead to a higher possibility of a car accident for you and your family. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. How can you determine what insurance you need and how you can purchase it? Coverage requirements will differ by state/province, but typically include the following: Liability: This type of insurance will pay for the damage that you have caused. These damages might include bodily injury, and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, liability insurance can pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is required 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. It may also cover lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection 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. If you purchase this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Car Insurance Groveland