The WideRanging Benefits of Your Insurance Policy

We see more drivers on the road each year. This could lead to a higher possibility of a collision. Car insurance can be the difference between a small inconvenience and a large trial. How can you determine what insurance you need and how to buy it? Mandated coverage varies by state/province but typically includes the following: Liability: It pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. It can also cover your legal fees if you are sued. State laws typically mandate minimum amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This could include flood damage, vandalism, and burglary. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: * Which policies you choose * The type of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't drive a car without it. Review your needs, research your options, and with the help of your insurance agency, choose the option that best suits you. Car Insurance Quotes Clermont