Auto Insurance and You
Each year, more automobiles and drivers are on the highways. With so many vehicles on the road, crashes will happen. The difference between a small aggravation and major pain can be car insurance. So how do you know what insurance you need and the quantity you should buy? Required coverage varies by state/province but typically includes the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. This insurance can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damage to your car caused by a collision. Comprehensive: This kind of insurance covers all damages not caused by a collision. This may include fire damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without enough insurance protection. Other types of coverage, like car rental, are also available. Your auto insurance payments varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that best suits you. Car Insurance Quotes Clermont