Purchasing Insurance Protection It's Not About The Money

Every year, more automobiles and drivers hit America's roads. With so many vehicles on the road, crashes will happen. If you get in a car accident, the car insurance you have can make a big difference in how much you have to pay. But why do you need insurance and exactly how much should you purchase? Mandated coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages may include bodily injury, and property damage. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is usually set by the state. 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. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle 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 protect you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: * Which policies you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't procrastinate buying car insurance; you should never drive a car without it. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. Auto Insurance Quotes Clermont