Extensive Insurance Policies

The amount of cars and drivers on the road increases each year. With so many vehicles on the road, crashes are going to happen. Car insurance can make the difference between a minor setback and a large trial. But why do you need insurance and exactly how much should you buy? Your insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Every state or province mandates auto insurance by law. Without insurance, you run the risk of having to pay the total cost of any harm you cause others. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are sued, it also pays your legal fees. State laws typically mandate minimum amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This is required 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. This insurance may also cover lost earnings, replacement of services and funeral expenses. State government typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for a crash. If this type of coverage has been purchased, the insured person will receive payment for necessary medical or funeral expenses. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance protection covers any damages not caused by a collision. This may include weather damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without owning the proper amount of insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other types of car insurance, including car rental, are also available. What you pay for car insurance varies by company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy car insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. Auto Insurance Clermont