The FarReaching Benefits of Your Insurance Policy

The amount of cars on the road increases each year. This could lead to a higher possibility of a collision for you and your family. Automobile insurance can be the difference between a small inconvenience and a large trial. How can you determine what insurance you need and how you can purchase it? Coverage requirements vary by state/province, but typically include the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, regardless of who was responsible for the crash. It is occasionally referred to as no-fault coverage. This insurance can also cover lost wages, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a crash. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: This pays for damage to your car caused by an accident. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This could include hail damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the right amount of car insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: * What coverage you select * The type of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't wait around to buy car insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the guidance of your insurance agent, choose the option that best suits you. Car Insurance Quotes Clermont