Everything You Need to Know About Automobile Insurance

The number of cars on the road increases each and every year. With the increasing number of vehicles on the road, crashes are going to happen. Car insurance can make the difference between a minor inconvenience and a major hassle. But why do you need insurance and exactly how much should you 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 collision, including injury and property damage. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. 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. It can also pay for lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable medical or funeral expenses resulting from an accident. Collision: This pays for damages to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without having the right amount of insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, such as: * What coverage you select * The type of the car you drive * Your driving record * Your age, sex and marital status * Where you live Don't wait around to buy car insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Auto Insurance Quotes Clermont