Insurance and How It Helps You

Every year, more drivers hit our roads and freeways. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a minor inconvenience and a major hassle. But why do you need insurance and just how much should you buy? Required coverage varies based on the state/province but typically includes the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is occasionally referred to as no-fault coverage. This insurance may also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who may have been at fault. If you buy this type of coverage, you will receive payment for all types of medical or funeral expenses. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the right amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in an accident caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Other types of coverage, such as emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple factors, including: * Which policies you select * The type of the car you drive * Your driving record * Your age, gender and marital status * Where you live Many people think they can get by without auto insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont