Your Insurance Coverage Always Working For You
Each year, more cars and drivers travel the highways. As this number increases, the possibility of accidents also increases. Automobile insurance can make the difference between a small inconvenience and a major hassle. But why do you need insurance and just how much do you need? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. 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: Liability pays for the expenses you have caused to others in a car accident, including injury and property damage. If you are in legal trouble, it also pays your defense and court costs. Recommended, higher levels of insurance are available that take care of more events than the lower, 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 responsible for the crash. It is required in some states and optional in others. State government typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may be responsible. If you buy this type of coverage, you will receive payment for necessary medical and funeral expenses. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance takes care of all non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Some have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the help of your insurance agent, choose the option that best suits you. Car Insurance Quotes Clermont