Purchasing Insurance About More Than Money

Each year, more automobiles and drivers hit the roads. This could lead to a higher possibility of a car accident. The difference between a small aggravation and major pain can be the car insurance you have purchased. But why do you need insurance and just how much should you buy? Auto insurance provides you with protection from paying for injury or damage you inflict on others while you are driving, damage to your vehicle or personal injury or injury to your passengers from an accidents, plus specific other incidents, such as burglary. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Pays for expenses due to bodily injury and damage to property that you have caused. It also covers your defense and court costs if you are sued. State laws usually require standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, no matter who was at fault in the accident. It is sometimes called no-fault coverage. State law usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who may be responsible. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving without having the proper amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without sufficient insurance coverage. Other types of coverage, including emergency road service, can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: * Which policies you select * The type of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people think they can get by without car insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Auto Insurance Clermont