Insurance and How It Helps You
There are more cars and drivers hitting the road each year. With the increasing number of vehicles on the road, accidents will happen. Car insurance can make the difference between a small setback and a large hassle. But why do you need insurance and just how much should you buy? Car accidents can result in many different expenses, which your insurance can pay for based on the insurance policy you own. Car insurance is required by state law. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This type of insurance will pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the accident. It is commonly referred to as no-fault coverage. This insurance may also pay for lost wages, service replacement and funeral costs. State government usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a collision. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance covers any damages not caused by a collision. This could include fire damage, vandalism, and theft. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in an accident caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many drivers think they can get by without car insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont