Your Insurance Coverage Always Working For You

There are more cars and drivers on the road each year. As this number goes up, the possibility of accidents also goes up. Car insurance can make the difference between a small setback and a large trial. How can you decide what insurance you require and where you should go to buy it? Insurance requirements vary by state/province, but usually include the following: Liability: It pays for damages due to personal injury and damage to property that you are responsible for. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs or loss of property use. If you are sued, this type of insurance can pay for your defense and court costs. State laws usually mandate minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the collision. It is sometimes referred to as no-fault coverage. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary 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 type of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without enough insurance coverage. Other types of coverage, including car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some have come to think of auto insurance as a necessary evil, but it can truly rescue you from a financial disaster. Review your needs, do your research , and with the help of your insurance agency, choose the option that best suits you. Insurance Clermont