We see more and more drivers on the road every year. With countless vehicles on the road, crashes can happen. Automobile insurance can make the difference between a small setback and a major hassle. So how can you find out what insurance you need and the quantity you should buy? Coverage requirements vary by state/province, but typically include the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. If you are in legal trouble, liability insurance can pay for your legal fees. Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This 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. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people may not want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. Car Insurance Quotes Clermont
