The WideRanging Benefits of Your Insurance Policy

There are more cars hitting the road every year. With the increasing number of vehicles on the road, accidents are going to happen. The difference between a small bother and large obstacle can be the car insurance you own. But why do you need to own insurance and exactly how much should you purchase? Mandated coverage varies by state/province but typically includes the following: Liability: Liability pays for expenses due to bodily injury and damage to property where you are responsible. It can also cover your defense and court costs if you are sued. State laws typically mandate standard amounts of liability insurance, but higher amounts are available and extremely helpful. 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 accident. It is sometimes called no-fault coverage. This insurance can also pay for lost earnings, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive coverage for all types of medical and funeral costs. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. 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: Just like uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance protection. Other types of coverage, such as car rental, are also available. Your car insurance payments vary by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people have consider car insurance as a necessary evil, but it can truly rescue you from a financial mess. Review your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. Insurance Clermont