Insurance and You

There are more cars and drivers hitting the road each year. As this number goes up, the chances of a car accident will also increase. If you get in a car wreck, the car insurance you own can make a big difference in how much you have to pay. How can you determine what insurance you require and where you should go to buy it? Mandated coverage varies by state/province but usually includes the following: Liability: This type of insurance can pay for the damage that you have caused. These damages can include personal injury, and property damage. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, regardless of who was responsible for the accident. It is mandated in some states and optional in others. State government usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a collision. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the proper amount of car insurance. This insurance will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. Car Insurance Quotes Clermont