What is Car Insurance?

You will see more and more drivers on the road every year. With the increasing number of vehicles on the road, crashes can happen. Car insurance can be the difference between a small inconvenience and a large hassle. So how can you find out what insurance you need and the quantity you should purchase? Mandated coverage varies by state/province but typically includes the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages might include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, regardless of who was responsible for the crash. It is commonly called no-fault coverage. It may also cover lost earnings, service replacement and funeral expenses. Local law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage has been bought, the insured person will receive coverage for reasonable medical or funeral expenses. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance coverage. Other policies, including car rental, are also available. Your auto insurance payments vary by company and will depend on several factors, including: * Which policies you select * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. Auto Insurance Clermont