Buying Insurance Coverage It's Not About The Money

Every year, more cars hit our roads and freeways. With so many vehicles on the road, crashes can happen. The difference between a little aggravation and major pain can be automobile insurance. How can you decide what insurance you require and how you can buy it? Car insurance protects you by covering the cost of damage caused to your vehicle or another person's vehicle and injury to others, yourself, or passengers in your car, and certain other incidents, such as theft. By not purchasing insurance, you risk having to pay the full cost of any harm you cause others. Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. It also covers your defense and court costs if you are sued. State laws typically require minimum amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is required in some states and optional in others. This insurance may also pay for lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for an accident. It pays for an insured person's reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance protects you from those drivers. Other policies, such as car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you. Auto Insurance Quotes Clermont