Insurance and How It Helps You

Each year, more automobiles and drivers are on the highways. This can lead to an increased likelihood of a car accident. If you get in a car accident, the auto insurance you own can make a big difference in how much you have to pay. But why do you need insurance and just how much do you need? Coverage requirements will differ by state/province, but usually include the following: Liability: This type of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are sued, it also pays your legal fees. State laws usually mandate minimum amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This is required 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. It can also pay for lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: This pays for damage to your car caused by a collision. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Other types of coverage, like car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't drive a car without it. Review your needs, research your options, and with the support of your insurance agency, make the decision that fits you best. Auto Insurance Clermont