Automobile Insurance and You
There are more cars hitting the road every year. With the increasing number of vehicles on the road, accidents can happen. If you get in a car accident, the car insurance you own can make a big difference in the experience you have. So how do you know what insurance you need and how much to buy? Mandated coverage varies by state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. It also covers 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 insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the accident. It is commonly referred to as no-fault coverage. It can also pay for lost earnings, service replacement and funeral expenses. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who may have been at fault. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver 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 an insured person is injured in an accident caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments vary by 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 * The place where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the guidance of your insurance agent, choose the option that best suits you. Car Insurance Quotes Clermont