Insurance and You

There are more cars hitting the road every year. With so many vehicles on the road, crashes can happen. If you get in a car crash, the car insurance you have can make a large difference in the experience you have. But why is insurance important and just how much do you need? Insurance requirements vary by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, it also pays your defense and court costs. State laws typically mandate minimum amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also cover lost earnings, replacement of services and funeral expenses. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a collision. This insurance will pay for an insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance covers any damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against drivers without enough insurance coverage. Other types of coverage, like car rental, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Some have come to think of auto insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you. Car Insurance Quotes Clermont