Your Home Insurance Coverage Always Working For You
- 3 26, 2022
- |Car and Motorcycle Insurance
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There are more cars on the road every year. With the increasing number of vehicles on the road, crashes can happen. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. But why do you need insurance and just how much should you get? Car crashes can result in a variety of different expenses, which your car insurance might be able to pay for based on the insurance policy you have purchased. Auto insurance is required by state law. Deciding to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Pays for expenses due to bodily injury and property damage to others that you are responsible for. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to damaged property or loss of use of property. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available 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 other people in your car, regardless of who was responsible for the accident. It is commonly referred to as no-fault coverage. It can also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this type of coverage. 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 something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other policies, including car rental and emergency road service, are also available. Car Insurance Groveland