Insurance and You

There are more cars hitting the road every year. With so many vehicles on the road, crashes can happen. The difference between a small aggravation and major obstacle can be car insurance. But why do you need insurance and just how much should you get? Car crashes can result in a variety of different expenses, which your insurance might be able to pay for based on the insurance policy you own. No matter where you are living, you are required to buy some variety of auto insurance. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are sued, it also pays your court costs. Local laws typically require minimum amounts of liability insurance, but higher amounts can be purchased and are very beneficial. 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 crash. It is commonly referred to as no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this policy is purchased, the insured person will receive coverage for all types of medical or funeral costs. Collision: This pays for damages to your car caused by an accident. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other types of car insurance, like car rental, can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, including: * Which policies you choose * The type of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the help of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont