Comprehensive Insurance Policies

Each year, more cars and drivers hit the highways. As this number increases, the chances of a car collision will also go up. If you get in a car wreck, the auto insurance you own can make a big difference in what happens next. But why do you need insurance and exactly how much should you buy? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. If you are sued, it also pays your defense and court costs. State laws usually mandate minimum amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, no matter who was responsible for the collision. It is required in some states and optional in others. State law usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may have been at fault. It pays for all insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for damages when an insured person is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Other types of car insurance, like car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple 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 auto insurance; you should never be on the road without it. Evaluate your needs, research your options, and with the guidance of your insurance agent, choose the option that best suits you. Auto Insurance Quotes Clermont