Your Car Insurance Plan

There are more cars and drivers hitting the road every year. As this number goes up, the possibility of accidents also goes up. The difference between a little aggravation and major obstacle can be car insurance. So how do you know what insurance you need and how much to purchase? Auto insurance protects you by paying for damage caused to your vehicle or another person's vehicle and injury to others, yourself, or your passengers, plus specific other incidents, such as robbery. 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 and pay the cost of any damage for which you might be responsible. Liability: Pays for the expenses you have caused to others in a car accident, including injury and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes damaged property and loss of use of property. It can also cover your legal fees if you are sued. State laws typically mandate standard amounts, but higher amounts can be purchased and are very beneficial. 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. This insurance may also pay for lost earnings, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance covers any damages not caused by a collision. This may include weather damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the right amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without sufficient insurance coverage. Other kinds of coverage, including car rental, are also available. Car Insurance Quotes Clermont