Financial Security and Your Insurance Policy

You will see more and more cars on the road every year. As this number goes up, the chances of a car wreck will also go up. If you get in a car crash, the car insurance you have can make a big difference in the experience you have. But why do you need insurance and just how much do you need? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. If you are sued, liability insurance will pay for your legal fees. 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 at fault in the accident. It is required in some states and optional in others. It can also cover lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by the state. 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. It pays for all insured person's reasonable medical and funeral expenses resulting from a crash. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance protection. Other policies, like emergency road service, are also available. Car Insurance Quotes Clermont