Insurance and You

The number of drivers on the road increases each year. With countless vehicles on the road, accidents can happen. If you get in a car crash, the car insurance you own can make a big difference in what happens next. How can you decide what insurance you require and how you can buy it? Auto insurance protects you by covering the cost of damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or passengers in your car, plus certain other occurrences, such as burglary. Every state or province mandates auto insurance by law. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Pays for damages due to bodily injury and damage to property that you have caused. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is mandated in some states and optional in others. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for damages when a driver with insurance 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 coverage can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some have consider auto insurance as a necessary evil, but it can truly rescue you from a financial mess. Review your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont