What Car Insurance Means to You

There are more drivers hitting the road every year. With the increasing number of vehicles on the road, crashes will happen. The difference between a little aggravation and major pain can be your car insurance. How can you decide what insurance you need and how to purchase it? Required coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that take care of more events than the stripped-down, state-mandated varieties. 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. It can also cover lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by an accident. Comprehensive: Protect your car from damages from other sources when you buy this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against people driving without sufficient insurance protection. Other kinds of coverage, such as car rental, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: * Which policies you choose * The type 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 Some have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont