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Buying Insurance Coverage More Than Just Money

Every year, more cars and drivers are on the highways. As this number goes up, the possibility of accidents also goes up. The difference between a little bother and large pain can be your insurance. So how can you find out what insurance you need and how much to purchase? Auto insurance provides you with protection from covering the cost of injury or damage you inflict on others while driving your car, damage to your car or personal injury or injury to your passengers from a crash, plus specific other incidents, such as burglary. Without insurance, you risk having to pay the total cost of the harm you cause others. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. 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 insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the accident. It is required in some states and optional in others. It can also cover lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a crash. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: This pays for damages to your car caused by an accident. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This may include protection from burglary, vandalism, and weather damage. 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 you are in an accident with one of these drivers. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other types of coverage, such as emergency road service and car rental, can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: * Which policies you select * The type of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial fiasco. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Car Insurance Groveland

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