Car Insurance and You

Every year, more automobiles and drivers travel America's roads. With countless vehicles on the road, crashes can happen. Car insurance can make the difference between a minor inconvenience and a large hassle. But why do you need to own insurance and exactly how much should you buy? Coverage requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. If you are in legal trouble, liability insurance can pay for your legal fees. Recommended, higher levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, no matter who was at fault in the collision. It is required in some states and optional in others. This insurance may also pay for lost wages, replacement of services and funeral costs. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who may be responsible. If this policy is bought, the insured person will receive payment for all types of medical or funeral costs. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by another person who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Many drivers 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 protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Auto Insurance Quotes Clermont