Insurance and You

There are more cars on the road every year. This could lead to an increased likelihood of a collision. The difference between a little bother and major obstacle can be the car insurance you own. So how do you know what insurance you need and how much to buy? 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 this type of insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: This is mandated 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. It may also cover lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a collision. If you buy this type of coverage, you will receive coverage for reasonable medical and funeral expenses. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other types of coverage, like car rental and emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Some have consider car insurance as a necessary evil, but it can truly rescue you from a financial mess. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. Car Insurance Quotes Clermont