Types of Car Insurance Coverage

We see more drivers on the road every year. With so many vehicles on the road, crashes can happen. If you get in a car wreck, the auto insurance you own can make a large difference in how much you have to pay. How can you decide what insurance you require and where you should go to buy it? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Without insurance, you risk having to pay the full cost of the harm or injury you cause others. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. It also covers your defense and court costs if you are sued. State laws typically mandate standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also pay for lost wages, replacement of services and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. If you purchase this type of coverage, you will receive coverage for reasonable medical or funeral costs. Collision: This pays for damages to your car caused by a collision. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This could include hail damage, vandalism, and theft. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for collision expenses 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 full cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some people may not want to pay for auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. Car Insurance Quotes Clermont