Extensive Insurance Coverage

There are more drivers on the road every year. With countless vehicles on the road, accidents will happen. Car insurance can make the difference between a small setback and a large hassle. So how can you find out what type of car insurance you need and how much to purchase? Coverage requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes damaged property or loss of property use. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was responsible for the collision. It is mandated in some states and optional in others. It may also pay for lost wages, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a collision. This insurance will pay for all insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: This pays for damages to your car caused by an accident. Comprehensive: This kind of insurance takes care of all non-collision damages. This could include weather damage, vandalism, and theft. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the proper amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Other types of coverage, like emergency road service and car rental, can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, such as: * What coverage you choose * The make and model of the car you own * Your driving record * Your age, gender and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. 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