Purchasing Insurance Coverage About More Than Money

We see more and more cars on the road every year. With countless vehicles on the road, accidents will happen. If you get in a car wreck, the car insurance you own can make a large difference in how much you have to pay. How can you decide what type of insurance you require and how to buy it? Auto insurance protects you by paying for damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or passengers in your car, and certain other incidents, such as theft. Auto insurance is mandated by law in all states and provinces. 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 that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. It also covers your defense and court costs if you are sued. State laws usually require standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, regardless of who was responsible for the accident. It is sometimes called no-fault coverage. It may also cover lost wages, service replacement and funeral costs. 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. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without enough insurance coverage. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: *Your selected 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 have consider auto insurance as a necessary evil, but it can truly save you from a financial disaster. Review your needs, research your options, and with the help of your insurance agent, choose the option that best suits you. Auto Insurance Quotes Clermont