Insurance and You

Each year, more automobiles and drivers travel the roads. With the increasing number of vehicles on the road, accidents can happen. If you get in a car accident, the auto insurance you own can make a large difference in how much you have to pay. How can you determine what type of insurance you require and how to buy it? Car insurance provides you with protection from paying for injury or damage you inflict on others while driving your car, damage to your car or injury to you or your passengers from a crash, plus certain other situations, such as robbery. Your state or province definitely requires some type of auto insurance. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Liability pays for the expenses you have caused to others in a car accident, including property damage and injury. It also covers your defense and court costs if you are sued. Local laws typically mandate standard amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: This is required 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. 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 is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage has been bought, the insured person will receive payment for reasonable medical and funeral costs. Collision: This pays for damage to your car caused by a collision. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, including: * Which policies you select * The make and model of the car you own * Your driving record * Your age, gender and marital status * The place where you live Some have come to think of auto 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 support of your insurance agent, choose the option that fits you best. Auto Insurance Quotes Clermont