Extensive Insurance Policies

Each year, more cars and drivers hit the roads. This could lead to an increased likelihood of a car accident. The difference between a small bother and major obstacle can be the car insurance you have purchased. So how do you know what type of car insurance you need and how much to purchase? Mandated coverage varies by state/province but usually includes the following: Liability: It pays for the expenses you have caused to others in a car accident, including property damage and injury. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It can also cover your legal fees if you are sued. Local laws usually require standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is mandated 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. The minimum amount of personal injury protection is typically set by local government. 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. It pays for all insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: This pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to cover the total cost of the damages. Other types of coverage, including emergency road service, are also available. Your car insurance payments vary by 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 * Where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial dilemma. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont