Your Insurance Policy Always Working For You
There are more cars hitting the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car accident, the auto insurance you have can make a big difference in how much you have to pay. So how can you figure out what insurance you need and how much you should buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. It also covers your defense and court costs if you are sued. Local laws typically require minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, regardless of who was at fault in the accident. It is sometimes referred to as no-fault coverage. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive payment for necessary medical or funeral expenses. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This may include fire damage, vandalism, and theft. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by another person who does not have insurance. 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. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, including car rental, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, including: * Which policies you choose * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think of car insurance as a necessary evil, but it can save you from a financial crisis. Evaluate your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont