Insurance and How It Helps You

You will see more cars on the road every year. This could lead to an increased likelihood of a car accident. Automobile insurance can be the difference between a minor setback and a large hassle. But why do you need insurance and just how much should you get? Insurance requirements will differ by state/province, but typically include the following: Liability: Liability pays for the expenses you are responsible for in a car accident, including property damage and injury. If you are sued, this type of insurance will pay for your defense and court costs. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, no matter who was responsible for the crash. It is mandated in some states and optional in others. It can also cover lost wages, service replacement and funeral expenses. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who may be responsible. If you buy this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: This pays for damages to your car caused by an accident. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the right amount of car insurance. This insurance will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people 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 support of your insurance agency, choose the option that fits you best. Car Insurance Quotes Clermont