Insurance and You

There are more drivers on the road each year. With so many vehicles on the road, crashes can happen. If you get in a car accident, the auto 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 should you get? Car insurance provides you with protection from paying for damage caused to your car or another person's car and injury to other people, yourself, or your passengers, plus certain other situations, such as burglary. By not purchasing insurance, you run the risk of having to pay the full price of any harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. It can also cover your legal fees if you are sued. State laws usually mandate standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the accident. It is occasionally called no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for an accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without owning the proper amount of insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have enough liability insurance to cover the full cost of the damages. Other types of coverage, such as emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: * What coverage you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can save you from a financial fiasco. Review your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont