Your Insurance Policy Always Working For You

You will see more and more drivers on the road every year. This could lead to a higher possibility of a collision. If you get in a car wreck, the auto 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? Mandated coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the crash. It is occasionally called no-fault coverage. It may also pay for lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for all insured person's necessary medical or funeral expenses resulting from an accident. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other kinds of coverage, like emergency road service and car rental, can also be purchased. 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 * Where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. Insurance Clermont