What Car Insurance Means to You

Each year, more cars and drivers hit America's roads. With countless vehicles on the road, crashes can happen. The difference between a small aggravation and large obstacle can be automobile insurance. So how do you know what insurance you need and how much to buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Without insurance, you risk having to pay the full price of any harm or injury you cause others. Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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. This insurance can also pay for lost wages, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: * What coverage you choose * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't wait around to buy car insurance; you should never be on the road without it. Review your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. Auto Insurance Clermont