Insurance and What It Means To You

There are more cars hitting the road every year. With so many vehicles on the road, crashes are going to happen. If you get in a car wreck, the car insurance you have can make a big difference in what happens next. How can you decide what insurance you need and how to buy it? Car insurance provides you with protection from paying for damage caused to your vehicle or someone else's vehicle and injury to other people, yourself, or your passengers, and certain other occurrences, such as theft. Without insurance, you risk having to pay the total cost of any harm or injury you cause others. Liability: Pays for expenses due to personal injury and property damage to others for which you are responsible. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to damaged property or loss of property use. It also covers your legal fees if you are sued. Local laws typically mandate standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the collision. It is mandated in some states and optional in others. It can also cover lost wages, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without having the right amount of auto insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other types of coverage, such as car rental and emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on several 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 Don't procrastinate buying car insurance; you should never drive a car without it. 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