Insurance and How It Helps You
The number of drivers on the road increases each and every year. As this number increases, the chances of a car collision will also increase. Car insurance can be the difference between a minor inconvenience and a major hassle. How can you decide what insurance you require and how to buy it? Required coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages may include bodily injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property and loss of use of property. If you are sued, it also pays your court costs. Recommended, more comprehensive levels of liability insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also cover lost earnings, replacement of services and funeral expenses. Local 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. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance covers all non-collision damages. This may include weather damage, vandalism, and theft. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other kinds of coverage, including emergency road service, are also available. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The make and model of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Some people don't want to pay for car insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that best suits you. Auto Insurance Quotes Clermont