What is Car Insurance?

Each year, more automobiles and drivers hit the highways. This could lead to an increased likelihood of a car accident for you and your family. The difference between a small bother and major obstacle can be the car insurance you have purchased. So how do you know which type of insurance you need and how much to buy? Car accidents can result in a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Without insurance, you risk having to pay the total price of any harm you cause others. Liability: Liability pays for the expenses you have caused to others in a car collision, including property damage and injury. It also covers your legal fees if you are sued. State laws typically mandate standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the crash. It is mandated in some states and optional in others. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who may have been at fault. It pays for an insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by another person who does not have insurance. 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 covers you from those drivers. Other kinds of coverage, like emergency road service and car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: * Which policies you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people think they can get by without auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Car Insurance Quotes Clermont