Types of Auto Insurance Coverage

Each year, more automobiles and drivers travel the roads. As this number increases, the chances of a car accident will also increase. If you get in a car accident, the auto insurance you own can make a large difference in how much you have to pay. But why do you need insurance and just how much should you get? Car accidents can result in many different expenses, which can all be paid for based on the type of coverage you own. Every state or province requires automobile insurance by law. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. If you are in legal trouble, it also pays your defense and court costs. State laws usually mandate standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the accident. It is required in some states and optional in others. State government usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a crash. It pays for all insured person's necessary medical and funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance takes care of any non-collision damages. This could include flood damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Other types of car insurance, such as car rental, are also available. Your car insurance payments varies based on the company and will depend on several factors, such as: * Which policies you choose * The make and model of the car you drive * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy auto insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the help of your insurance agency, choose the option that fits you best. Car Insurance Quotes Clermont