The WideRanging Benefits of Your Insurance Coverage

Each year, more drivers travel America's roads. With countless vehicles on the road, accidents are going to happen. Automobile insurance can be the difference between a minor inconvenience and a major hassle. How can you decide what insurance you require and how you can purchase it? Insurance requirements will differ by state/province, but usually include the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages can include personal injury, and property damage. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are sued, it also pays your defense and court costs. Local laws usually mandate minimum amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the crash. It is commonly called no-fault coverage. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. 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 type of insurance. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This could include weather damage, vandalism, and burglary. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other policies, such as emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, including: * Which policies you select * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * The place where you live Some have consider auto insurance as a necessary evil, but it can truly rescue you from a financial disaster. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you. Car Insurance Quotes Clermont