How Does Car Insurance Work?

The amount of cars on the road increases each year. As this number increases, the possibility of accidents also increases. The difference between a small aggravation and major obstacle can be the car insurance you have purchased. But why do you need to own insurance and just how much should you buy? Insurance requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage includes damaged property or loss of property use. If you are in legal trouble, this type of insurance can pay for your court costs. State laws usually mandate minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the accident. It is occasionally referred to as no-fault coverage. It can also cover lost earnings, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may be responsible. It pays for an insured person's necessary medical and funeral expenses resulting from an accident. Collision: This pays for damage to your car caused by an accident. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This could include hail damage, vandalism, and theft. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the proper amount of auto insurance. This insurance will protect you if you are in a collision with one of these drivers. 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 coverage can also be purchased. Your car insurance payments vary 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 don't want to pay for car insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. Auto Insurance Clermont