The FarReaching Benefits of Your Home Insurance Policy

Each year, more cars travel our roads and freeways. This can lead to a higher possibility of a car accident for you and your family. If you get in a car accident, the car insurance you have can make a big difference in what happens next. So how do you know which type of insurance you need and how much you should buy? Required coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are sued, this type of insurance will pay for your defense and court costs. Local laws usually mandate standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the collision. It is commonly referred to as no-fault coverage. Local government usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays despite who carries responsibility for an accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the proper amount of insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Car Insurance Groveland

[Top]