There are more cars on the road every year. With countless vehicles on the road, accidents will happen. If you get in a car accident, the auto insurance you own can make a large difference in what happens next. But why do you need to own insurance and just how much should you purchase? Mandated coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. It can also cover your legal fees if you are sued. Local laws usually mandate minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance may also cover lost earnings, replacement of services and funeral costs. Local law usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the proper amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without sufficient insurance protection. 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: * What coverage you choose * The type of the car you own * Your driving record * Your age, gender and marital status * The place where you live Don't procrastinate buying auto insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont
