Automobile Insurance Basics

There are more cars hitting the road each year. As this number increases, the possibility of accidents also increases. If you get in a car accident, the car insurance you have can make a large difference in how much you have to pay. So how do you know what insurance you need and how much to purchase? Required coverage varies by state/province but usually includes the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages can include personal injury, and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. If you are in legal trouble, this type of insurance will pay for your court costs. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance covers any non-collision damages. This may include flood damage, vandalism, and theft. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the right amount of auto 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 might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, like car rental, are also available. Your car insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * 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 shouldn't drive a car without it. Review your needs, research your options, and with the support of your insurance agency, choose the option that best suits you. Auto Insurance Quotes Clermont