The WideRanging Benefits of Your Insurance Coverage

We see more drivers on the road each year. This can lead to an increased likelihood of a car accident. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. So how can you find out what insurance you need and how much to purchase? Mandated coverage varies based on the state/province but typically includes the following: Liability: Liability pays for damages due to personal injury and damage to property that you have caused. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. It also covers your defense and court costs if you are sued. Local laws typically mandate minimum amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This is mandated 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. It can also cover lost earnings, replacement of services and funeral costs. Local law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive payment for all types of medical or funeral costs. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include flood damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: * What coverage you select * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial dilemma. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Auto Insurance Clermont