Your Insurance Coverage Always Working For You

Every year, more cars and drivers are on the highways. This could lead to an increased likelihood of a collision. Automobile insurance can make the difference between a small inconvenience and a major hassle. But why is insurance required by law and just how much do you need? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages might include bodily injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are sued, this type of insurance will pay for your legal fees. Local laws typically mandate standard amounts, 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. 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 typically set by the state. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who carries responsibility for an accident. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damage to your car caused by a collision. Comprehensive: Cover your car from damages from other sources when you buy this type of coverage. 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 in an accident caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, such as emergency road service and car rental, 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 * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, research your options, and with the guidance of your insurance agent, choose the option that best suits you. Car Insurance Quotes Clermont

Comments Off