Comprehensive Insurance Coverage

Every year, more cars and drivers travel the highways. As this number goes up, the chances of a car collision will also go up. Automobile insurance can be the difference between a minor setback and a major trial. But why do you need insurance and just how much should you buy? Car crashes can lead to many different expenses, which your car insurance can pay for based on the insurance policy you have purchased. No matter where you live, you are required to buy some variety of auto insurance. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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 pay for lost wages, replacement of services and funeral costs. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who may be responsible. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, such as: * Which policies you select * The type of the vehicle 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 guidance of your insurance agency, make the decision that fits you best. Auto Insurance Clermont