What Car Insurance Means to You

Each year, more cars and drivers are on the roads. This could lead to a higher possibility of a car accident. If you get in a car accident, the auto insurance you own can make a big difference in how much you have to pay. So how can you find out what insurance you need and how much to buy? Auto insurance provides you with protection from paying for injury or damage you inflict on others while driving your car, damage to your car or injury to you or your passengers from a crash, plus specific other situations, such as theft. Without insurance, you run the risk of having to pay the full price of any harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: Liability pays for damages due to bodily injury and damage to property for which you are responsible. If you are sued, liability insurance can pay for your legal fees. State laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the crash. It is commonly called no-fault coverage. State government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. It pays for an insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance protects you from 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: * What coverage you select * The type of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial crisis. Evaluate your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best. Auto Insurance Clermont