Types of Auto Insurance Coverage

You will see more and more cars on the road every year. This could lead to an increased likelihood of a collision. If you get in a car accident, the car insurance you own can make a large difference in how much you have to pay. How can you decide what type of insurance you need and where you should go to buy it? Required coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs and loss of use of property. If you are sued, it also pays your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people have come to think of auto insurance as a necessary evil, but it can truly rescue you from a financial disaster. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont