Financial Security and Your Home Insurance Coverage

Every year, more cars travel our roads and freeways. This can lead to an increased likelihood of a collision for you and your family. Car insurance can make the difference between a minor inconvenience and a major hassle. How can you decide what insurance you need and how to buy it? Auto insurance protects you by paying for damage caused to your car or someone else's car and injury to others, yourself, or your passengers, plus certain other situations, such as burglary. By not owning insurance, you risk having to pay the full cost of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: It pays for the expenses you are responsible for in a car collision, including property damage and injury. Bodily injury damages include medical fees, and lost wages. Property damage includes damaged property or loss of property use. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the crash. It is mandated in some states and optional in others. The minimum amount of personal injury protection is usually 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. If this type of coverage is bought, the insured person will receive coverage for necessary medical or funeral expenses. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: Cover your car from damages from other sources by purchasing this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from people driving without sufficient insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, such as: * Which policies you choose * The make and model of the car you drive * Your driving record * Your age, sex and marital status * Where you live Some drivers think they can get by without auto insurance, but it is truly something you don't want to live without. 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