Why You Need Car Insurance

Every year, more cars hit the highways. With countless vehicles on the road, accidents can happen. Automobile insurance can be the difference between a minor inconvenience and a large trial. So how can you figure out what insurance you need and how much to buy? Car accidents can result in a variety of different expenses, which your insurance might be able to pay for based on the type of insurance you have purchased. No matter where you are living, you are required to purchase some type of car insurance. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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 wages, service replacement and funeral expenses. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. If this policy has been purchased, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: Protect your vehicle from damages from other sources 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 in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for damages when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. Other kinds of coverage, such as car rental, can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont