Your Insurance Coverage Always Working For You

There are more cars hitting the road each year. This could lead to an increased likelihood of a collision for you and your family. If you get in a car crash, the car insurance you own can make a big difference in what happens next. But why do you need insurance and just how much should you purchase? Insurance requirements vary by state/province, but usually include the following: Liability: Liability pays for damages due to bodily injury and property damage to others that you are responsible for. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of insurance can be purchased that cover more events than the lower, 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. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: This kind of insurance protection covers any non-collision damages. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). 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 types of car insurance, like emergency road service, are also available. Your auto insurance payments 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, sex and marital status * Where you live Some have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the guidance of your insurance agent, choose the option that best suits you. Auto Insurance Quotes Clermont