Insurance and You

You will see more drivers on the road each year. With so many vehicles on the road, accidents will happen. If you get in a car crash, the car insurance you have can make a large difference in how much you have to pay. But why do you need insurance and just how much do you need? Car accidents can result in a variety of different expenses, which your car insurance might be able to pay for based on the type of insurance you have purchased. Without insurance, you run the risk of having to pay the full cost of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: It pays for the expenses you are responsible for in a car collision, including property damage and injury. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are in legal trouble, it also pays your court costs. Local laws typically mandate minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This 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. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other types of coverage, including emergency road service, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, including: * What coverage you select * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the support of your insurance agency, choose the option that best suits you. Car Insurance Quotes Clermont