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Your Homeowners Insurance Coverage Always Working For You

There are more cars and drivers hitting the road every year. With the increasing number of vehicles on the road, crashes can happen. Car insurance can make the difference between a small setback and a major hassle. How can you determine what insurance you need and how to buy it? Auto insurance provides you with protection from paying for damage or injury you cause others while you are driving, damage to your car or personal injury or injury to your passengers from a crash, plus specific other incidents, such as robbery. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: This type of insurance can pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, liability insurance can pay for your defense and court costs. State laws typically mandate standard amounts, but higher amounts are available and extremely helpful. 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. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who may be responsible. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: This pays for damage to your car caused by an accident. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by another person who does not have liability coverage. 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 total amount of the damages. Other policies, including car rental, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that fits you best. Car Insurance Groveland

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