Insurance and You
You will see more drivers on the road every year. This could lead to an increased likelihood of a collision. The difference between a small aggravation and large pain can be the car insurance you have purchased. But why do you need insurance and just how much should you buy? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Pays for expenses due to personal injury and property damage to others that you have caused. Damages from bodily injury include medical expenses, and lost wages. Property damage includes damaged property or loss of property use. It can also cover your legal fees if you are sued. State laws typically mandate minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is occasionally referred to as no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. This insurance will pay for an insured person's necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the proper amount of insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without enough insurance protection. Other policies, including car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Many people don't want to pay for auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont