Insurance and You

There are more drivers hitting the road every year. As this number goes up, the chances of a car collision will also go up. If you get in a car accident, the auto insurance you own can make a big difference in what happens next. So how do you know which type of insurance you need and how much you should buy? Auto insurance provides you with protection from paying for damage caused to your vehicle or someone else's vehicle and injury to other people, yourself, or passengers in your car, plus specific other incidents, such as theft. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage includes damaged property and loss of use of property. It also covers your legal fees if you are sued. State laws usually mandate standard amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This is required 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 personal injury protection is usually set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without enough insurance protection. Other policies, like emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, including: * What coverage you choose * The make and model of the vehicle you own * Your driving record * 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. Review your needs, research your options, and with the guidance of your insurance agent, choose the option that best suits you. Auto Insurance Quotes Clermont