The FarReaching Benefits of Your Insurance Coverage

Each year, more automobiles and drivers hit our roads and freeways. With so many vehicles on the road, crashes can happen. The difference between a small aggravation and major pain can be automobile insurance. So how can you figure out which type of insurance you need and how much you should buy? Required coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of property use. If you are sued, liability insurance can pay for your legal fees. Recommended, higher levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This 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. This insurance may also cover lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment 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 car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of car insurance, like car rental, can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, including: * Which policies you select * The make and model 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 honestly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont