Types of Auto Insurance Coverage

There are more cars and drivers hitting the road every year. With countless vehicles on the road, crashes are going to happen. The difference between a small bother and large pain can be car insurance. But why do you need insurance and exactly how much should you buy? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Pays for expenses due to bodily injury and property damage to others where you are responsible. If you are sued, this type of insurance will pay for your defense and court costs. State laws usually mandate standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for the 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. This insurance may also cover lost earnings, replacement of services and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. If this policy is purchased, the insured person will receive payment for reasonable medical or funeral costs. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance coverage. Other kinds of coverage, including emergency road service and car rental, can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, including: * What coverage you choose * The type of the car you drive * Your driving record * Your age, gender and marital status * The place where you live Many drivers think they can get by without car insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Auto Insurance Quotes Clermont