Insurance and What It Means To You

There are more cars hitting the road each year. This could lead to a higher possibility of a car accident. If you get in a car wreck, the auto insurance you own can make a large difference in the experience you have. How can you determine what insurance you need and where you should go to buy it? Mandated coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated varieties. 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. This insurance may also cover lost wages, service replacement and funeral costs. State law usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this type of coverage is purchased, the insured person will receive coverage for reasonable medical or funeral costs. Collision: This pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some have consider 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, choose the option that fits you best. Auto Insurance Quotes Clermont