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We see more and more cars on the road each year. As this number increases, the chances of a car wreck will also increase. The difference between a small aggravation and large obstacle can be automobile insurance. How can you determine what insurance you need and where you should go to buy it? Required coverage varies by state/province but usually includes the following: Liability: Liability pays for the expenses you have caused to others in a car collision, including property damage and injury. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are sued, liability insurance can pay for your court costs. State laws usually require minimum amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the collision. It is commonly called no-fault coverage. It may also pay for lost earnings, service replacement and funeral costs. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for all insured person's necessary medical and funeral expenses resulting from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for car insurance varies by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Don't wait around to buy car insurance; you should never be on the road without it. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Groveland
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If you are about to buy a home, you know that this commitment is one of the biggest you will ever make. Your home will be the source of protection and countless memories experienced by you and your family. Keeping this in mind, it is crucial to make sure you trust a certified home inspector who can guarantee you are making a purchase that will last. These home inspectors can perform a thorough overview of your entire home from wiring and cooling to the foundation and drains. They may also be able to assess your home for lead testing, storm durability, and energy efficiency. Make sure your home and family are safe with a quality home inspection. Home Inspector Woodloch