Your Insurance Policy Always Working For You

Every year, more drivers travel the highways. As this number increases, the chances of a car wreck will also increase. If you get in a car wreck, the auto insurance you have can make a big difference in how much you have to pay. But why do you need to own insurance and just how much should you purchase? Coverage requirements vary by state/province, but typically include the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. It also covers your legal fees if you are sued. Local laws typically require standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is commonly called no-fault coverage. This insurance may also pay for lost earnings, service replacement and funeral costs. Local law typically sets minimum amounts. 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. It pays for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: This pays for damages to your car caused by an accident. Comprehensive: This type of insurance protection covers all non-collision damages. This could include hail damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without enough insurance coverage. Other kinds of car insurance, including car rental, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Don't procrastinate buying auto insurance; you should never drive a car without it. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Auto Insurance Clermont