What Automobile Insurance Means to You

There are more drivers hitting the road each year. With so many vehicles on the road, accidents are going to happen. The difference between a small aggravation and large obstacle can be automobile insurance. But why do you need insurance and exactly how much should you purchase? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. By not purchasing insurance, you run the risk of having to pay the total price of the harm or injury you cause others. Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages may include bodily injury, and property damage. If you are in legal trouble, it also pays your defense and court costs. State laws usually mandate minimum amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is required 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 cover lost wages, service replacement and funeral expenses. State law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If this policy is purchased, the insured person will receive coverage for reasonable medical or funeral expenses. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance covers you from those drivers. Other policies, like car rental and emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some drivers don't want to pay for auto insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. Insurance Clermont