How Does Car Insurance Work?

The amount of cars and drivers on the road increases each year. With the increasing number of vehicles on the road, accidents are going to happen. Automobile insurance can be the difference between a minor inconvenience and a large hassle. So how do you know which type of insurance you need and how much to buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages may include personal injury, and property damage. If you are sued, it also pays your legal fees. Local laws usually mandate minimum amounts, but larger amounts can be purchased and are usually recommended. 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. It can also pay for lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by the state. 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 coverage. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This may include weather damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: * What coverage you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't procrastinate buying auto insurance; you shouldn't be on the road without it. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont