The FarReaching Benefits of Your Insurance Policy

Each year, more cars and drivers hit the roads. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. But why do you need insurance and just how much do you need? Car insurance provides you with protection from covering the cost of damage or injury you inflict on others while you are driving, damage to your vehicle or injury to you or your passengers from an accidents, and specific other situations, such as robbery. Every state and province mandates car insurance by law. Without insurance, you risk having to pay the full price of the harm or injury you cause others. Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more 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. This insurance may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who may be responsible. It pays for all insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, like car rental and emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: * Which policies you select * The make and model of the vehicle you own * Your driving record * Your age, sex and marital status * The place where you live Some people may not want to pay for auto insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. Insurance Clermont