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Different Car Insurance Policies

There are more drivers hitting the road every year. This could lead to an increased likelihood of a car accident. The difference between a small bother and major obstacle can be your insurance. How can you decide what type of insurance you require and where you should go to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Without insurance, you run the risk of having to pay the total cost of the harm you cause others. Liability: Pays for the expenses you are responsible for in a car collision, including injury and property damage. If you are sued, it also pays your court costs. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection 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. This insurance will pay for an insured person's reasonable medical or funeral expenses resulting from a crash. Collision: This pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for damages when a driver with insurance is in a crash caused by a driver who does not have enough liability insurance to cover the total amount of the damages. Other policies, including emergency road service, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people have come to think of car insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Car Insurance Groveland

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