You will see more and more drivers on the road each year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a small setback and a large trial. How can you decide what insurance you require and how to buy it? Mandated coverage varies based on the state/province but typically includes the following: Liability: Pays for expenses due to bodily injury and property damage to others for which you are responsible. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are in legal trouble, this type of insurance will pay for your court costs. Recommended, higher levels of insurance are available that take care of more events than the stripped-down, state-mandated insurance. 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 earnings, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who carries responsibility for a collision. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from people driving without enough insurance coverage. Other kinds of coverage, such as car rental, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: *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 consider car insurance to be a necessary evil, but it can save you from a financial dilemma. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont
