Your Insurance Coverage Always Working For You

The amount of drivers on the road increases each and every year. As this number goes up, the chances of a car accident will also go up. The difference between a little bother and major pain can be the car insurance you have purchased. How can you determine what insurance you need and how you can purchase it? Mandated coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. It can also cover your legal fees if you are sued. Local laws typically mandate standard amounts, but larger amounts are available and very beneficial. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also pay for lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this type of coverage has been purchased, the insured person will receive coverage for all types of medical or funeral expenses. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance protection covers any damages not caused by a collision. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Auto Insurance Clermont


The FarReaching Benefits of Your Insurance Coverage

There are more cars and drivers hitting the road every year. With countless vehicles on the road, crashes will happen. Automobile insurance can make the difference between a small inconvenience and a major trial. But why do you need insurance and just how much should you get? Mandated coverage varies based on the state/province but typically includes the following: Liability: It pays for damages due to personal injury and property damage to others that you are responsible for. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It also covers your legal fees if you are sued. State laws typically mandate standard amounts, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance 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. This insurance may also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the right amount of insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have the right amount of insurance to cover the total cost of the damages. Other policies, including car rental, are also available. Your car insurance payments vary by company and will depend on multiple factors, including: * Which policies you choose * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some drivers don't want to pay for auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont