There are more cars and drivers on the road each year. This could lead to a higher possibility of a collision for you and your family. The difference between a small aggravation and major pain can be the car insurance you have purchased. But why do you need to own insurance and just how much should you buy? Coverage requirements vary by state/province, but typically include the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. It also covers your legal fees if you are sued. State laws typically require standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, no matter who was at fault in the collision. It is commonly referred to as no-fault coverage. It can also cover lost earnings, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral costs. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by a driver who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Other types of coverage, like emergency road service, are also available. Car Insurance Groveland
