Extensive Insurance Policies

There are more drivers on the road each year. This can lead to an increased likelihood of a car accident. The difference between a small aggravation and major obstacle can be car insurance. But why is insurance important and just how much do you need? Mandated coverage varies based on the state/province but typically includes the following: Liability: Liability pays for the expenses you are responsible for in a car accident, including property damage and injury. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to damaged property or loss of property use. It can also cover your legal fees if you are sued. Local laws typically require standard amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance 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. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: This type of insurance covers any non-collision damages. This may include flood damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Other kinds of car insurance, like car rental, are also available. Your auto insurance payments vary by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * 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. 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