The FarReaching Benefits of Your Insurance Coverage

The amount of drivers on the road increases each and every year. With countless vehicles on the road, crashes can happen. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. So how do you know which type of insurance you need and how much to buy? Insurance requirements will differ by state/province, but usually include the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages may include bodily injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated varieties. 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. State law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a crash. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by another person who does not have the right amount of insurance to cover the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: * What coverage you choose * The make and model of the vehicle you drive * Your driving record * Your age, gender and marital status * Where you live Some have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont