Why You Need Car Insurance

Each year, more cars and drivers travel the roads. As this number increases, the chances of a car accident will also go up. Automobile insurance can make the difference between a small inconvenience and a large trial. So how do you know what insurance you need and the quantity you should purchase? Car insurance protects you by paying for injury or damage you cause others while driving your car, damage to your car or injury to you or your passengers from an accidents, plus specific other occurrences, such as theft. Every state or province requires car insurance by law. By not owning insurance, you risk having to pay the full price of any harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. If you are sued, liability insurance can pay for your court costs. Recommended, more comprehensive levels of insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, no matter who was responsible for the crash. It is mandated in some states and optional in others. It may also pay for lost wages, service replacement and funeral expenses. Local law typically 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. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damage to your car caused by a collision. Comprehensive: This type of insurance covers all damages not caused by a collision. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This type of coverage will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Other policies, including emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, including: * What coverage you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some have consider car insurance as a necessary evil, but it can truly rescue you from a financial disaster. Review your needs, research your options, and with the support of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont