Comfort Security and Your Insurance Coverage
You will see more cars on the road each year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a small inconvenience and a major trial. So how can you find out what insurance you need and the quantity you should purchase? Mandated coverage varies by state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. State government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Car Insurance Groveland