What Auto Insurance Means to You

The amount of cars and drivers on the road increases each year. As this number goes up, the chances of a car wreck will also increase. Car insurance can make the difference between a small inconvenience and a major trial. So how do you know what insurance you need and how much to buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Without insurance, you run the risk of having to pay the total price of any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. It also covers your defense and court costs if you are sued. Local laws typically mandate standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is required in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. It pays for an insured person's necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Some people have come to think of auto insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont