Your Auto Insurance Plan

You will see more and more drivers on the road each year. As this number increases, the chances of a car accident will also go up. Automobile insurance can make the difference between a small setback and a major hassle. So how do you know what type of car insurance you need and how much to purchase? Car accidents can lead to a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. By not purchasing insurance, you run the risk of having to pay the total cost of the harm or injury you cause others. Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. Bodily injury damages can include medical expenses, and lost wages. Property damage includes damaged property and loss of use of property. It also covers your legal fees if you are sued. State laws usually mandate minimum amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is occasionally called no-fault coverage. State government usually sets minimum amounts. Medical Payments: Medical payment 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 bought, the insured person will receive payment for all types of medical or funeral expenses. Collision: Pays for damage to your car caused by an accident. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This may include weather damage, vandalism, and theft. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the right amount of auto insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. 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, including: *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 procrastinate buying auto insurance; you should never drive a car without it. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. Insurance Clermont