Insurance and What It Means To You

The number of drivers on the road increases each and every year. This can lead to a higher possibility of a car accident for you and your family. Automobile insurance can make the difference between a minor inconvenience and a major hassle. But why do you need to own insurance and exactly how much should you purchase? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. No matter where you are living, you will need to purchase some type of auto insurance. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. If you are in legal trouble, liability insurance can pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was at fault in the crash. It is required in some states and optional in others. This insurance can also pay for lost earnings, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who may be responsible. If this type of coverage has been purchased, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: This pays for damages to your car caused by a collision. Comprehensive: This kind of insurance covers all damages not caused by a collision. This could include fire damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people think of car insurance as a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont