Insurance and You

We see more and more cars on the road every year. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a minor inconvenience and a major hassle. But why do you need insurance and just how much do you need? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Every state and province requires auto insurance by law. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, it also pays your court costs. State laws typically mandate standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the collision. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for an accident. If you buy this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: 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 coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, like car rental, are also available. Car Insurance Groveland

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Purchasing Homeowners Insurance About More Than Money

The number of cars on the road increases every year. With the increasing number of vehicles on the road, crashes are going to happen. If you get in a car crash, the car insurance you own can make a large difference in what happens next. But why do you need insurance and just how much should you buy? Insurance requirements will differ by state/province, but typically include the following: Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. It can also cover your legal fees if you are sued. Local laws typically require standard amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, regardless of who was at fault in the collision. It is mandated in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: This pays for damages to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without having the right amount of insurance. This insurance will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other types of coverage, such as emergency road service, are also available. Car Insurance Groveland

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