The FarReaching Benefits of Your Insurance Policy

Each year, more cars travel the highways. As this number increases, the chances of a car collision will also go up. Automobile insurance can make the difference between a minor inconvenience and a major trial. But why do you need insurance and just how much should you buy? Car crashes can result in many different expenses, which can all be paid for based on the type of insurance you have purchased. Car insurance is required by state law. Without insurance, you risk having to pay the total cost of any harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Liability pays for the expenses you are responsible for in a car accident, including injury and property damage. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, no matter who was responsible for the crash. It is required in some states and optional in others. It can also cover lost wages, service replacement and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some have come to think of car insurance as a necessary evil, but it can truly rescue you from a financial disaster. Evaluate your needs, research your options, and with the support of your insurance agency, make the decision that fits you best. Auto Insurance Quotes Clermont