Your Insurance Coverage Always Working For You

The amount of cars on the road increases every year. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a minor inconvenience and a large hassle. But why do you need to own insurance and exactly how much should you purchase? Coverage requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. If you are sued, liability insurance will pay for your defense and court costs. Recommended, higher levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this type of coverage is bought, the insured person will receive coverage for all types of medical or funeral costs. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other policies, like car rental, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't procrastinate buying auto insurance; you shouldn't be on the road without it. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont