Insurance and How It Helps You

The number of cars and drivers on the road increases each year. With the increasing number of vehicles on the road, accidents will happen. If you get in a car wreck, the auto insurance you own can make a big difference in what happens next. But why do you need insurance and just how much should you buy? Mandated coverage varies by state/province but usually includes the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include personal injury, and property damage. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the accident. It is mandated in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral expenses. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. It pays for all insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance covers any non-collision damages. This may include hail damage, vandalism, and theft. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the proper amount of auto insurance. This insurance will cover you if you are in an accident 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 covers you in accidents involving those drivers. Other policies, such as emergency road service, are also available. What you pay for car insurance varies by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't procrastinate buying auto insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Car Insurance Quotes Clermont