Buying Insurance It's Not About The Money

The amount of cars on the road increases each and every year. As this number goes up, the possibility of accidents also goes up. Car insurance can make the difference between a minor setback and a large trial. So how do you know what insurance you need and how much you should buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Bodily injury damages 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. State laws typically mandate minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance can also cover lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without owning the proper amount of car insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from people driving without enough insurance protection. Other kinds of car insurance, like car rental, are also available. Your car insurance payments varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Many drivers may not want to pay for auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. Car Insurance Quotes Clermont