Insurance and You

Every year, more cars hit our roads and freeways. This can lead to a higher possibility of a collision for you and your family. Car insurance can make the difference between a small inconvenience and a major hassle. How can you determine what insurance you require and how you can buy it? Coverage requirements will differ by state/province, but typically include the following: Liability: Pays for the expenses you are responsible for in a car collision, including property damage and injury. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. 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 at fault in the accident. It is commonly referred to as no-fault coverage. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who may have been at fault. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance coverage. Other kinds of car insurance, like emergency road service, can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex 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. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont