Comprehensive Insurance Policies

We see more and more drivers on the road every year. With countless vehicles on the road, crashes can happen. The difference between a little bother and major pain can be your car insurance. How can you decide what type of insurance you require and where you should go to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Car insurance is required by state law. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Pays for damages due to personal injury and damage to property that you have caused. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are sued, it also pays your court costs. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated varieties. 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. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may have been at fault. If you buy this type of coverage, you will receive coverage for all types of medical or funeral expenses. Collision: This pays for damage to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for auto insurance varies by 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, sex and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't drive a car without it. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Insurance Clermont