Everything You Need to Know About Car Insurance

There are more cars on the road each year. With countless vehicles on the road, accidents can 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 to own insurance and just how much should you buy? Insurance requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. If you are sued, liability insurance can pay for your court costs. Recommended, higher levels of insurance are available that cover more events than the lower, state-mandated insurance. 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. Local law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without enough insurance coverage. Other policies, including car rental, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: * What coverage you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't procrastinate buying auto insurance; you shouldn't be on the road without it. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont