Insurance and What It Means To You

The amount of drivers on the road increases each year. As this number goes up, the chances of a car wreck will also increase. Car insurance can make the difference between a minor setback and a major trial. How can you determine what insurance you need and how you can buy it? Insurance requirements will differ by state/province, but usually include the following: Liability: It pays for expenses due to personal injury and damage to property where you are responsible. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. It also covers your defense and court costs if you are sued. State laws usually mandate standard amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, regardless of who was responsible for the crash. It is mandated in some states and optional in others. This insurance can also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This could include fire damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Don't wait around to buy car insurance; you shouldn't drive a car without it. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. Auto Insurance Quotes Clermont