Purchasing Insurance Protection It's Not About The Money

We see more cars on the road every year. As this number increases, the possibility of accidents also increases. The difference between a little aggravation and major pain can be the car insurance you have purchased. So how do you know what insurance you need and how much to buy? Auto insurance protects you by covering the cost of damage caused to your car or someone else's car and injury to other people, yourself, or your passengers, and specific other occurrences, such as burglary. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are sued, liability insurance can pay for your court costs. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance may also cover lost earnings, replacement of services and funeral expenses. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage is purchased, the insured person will receive coverage for reasonable medical or funeral expenses. Collision: This pays for damage to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without enough insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. Insurance Clermont