The FarReaching Benefits of Your Insurance Coverage

Each year, more cars and drivers are on the highways. As this number goes up, the possibility of accidents also goes up. If you get in a car accident, the auto insurance you have can make a big difference in the experience you have. But why do you need insurance and just how much should you get? Required coverage varies by state/province but typically includes the following: Liability: Pays for the expenses you have caused to others in a car collision, including property damage and injury. If you are sued, it also pays your legal fees. State laws typically require standard amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is mandated 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. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. It pays for all insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against people driving without enough insurance coverage. Other policies, like car rental, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Don't wait around to buy auto insurance; you should never drive a car without it. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Insurance Clermont