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The WideRanging Benefits of Your Insurance Policy

Each year, more drivers travel our roads and freeways. With so many vehicles on the road, crashes will happen. Automobile insurance can be the difference between a minor setback and a major trial. But why do you need to own insurance and just how much should you buy? Required coverage varies based on the state/province but typically includes the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may be responsible. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance protection covers any non-collision damages. This may include flood damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the right amount of car insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for damages when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to cover the full cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Car Insurance Groveland