Comprehensive Insurance Coverage

We see more and more cars on the road every year. This can lead to an increased likelihood of a car accident. Automobile insurance can make the difference between a small setback and a major trial. So how can you find out what insurance you need and how much to purchase? Required coverage varies based on the state/province but typically includes the following: Liability: It pays for damages due to bodily injury and property damage to others that you have caused. It also covers your defense and court costs if you are sued. Local laws typically mandate standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for reasonable medical or funeral expenses. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Other policies, such as car rental, are also available. Your auto insurance payments vary by company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial dilemma. Review your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. Auto Insurance Clermont