Insurance and What It Means To You

There are more drivers hitting the road each year. As this number increases, the possibility of accidents also increases. Car insurance can be the difference between a minor setback and a major hassle. How can you determine what insurance you need and how you can purchase it? Car crashes can lead to many different expenses, which your insurance can pay for based on the type of coverage you have purchased. Car insurance is required by law in all states and provinces. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance can also cover lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. 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 covered under this insurance policy. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. 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: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other policies, such as car rental and emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: * Which policies you choose * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people don't want to pay for car insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. Car Insurance Quotes Clermont