Types of Auto Insurance Coverage

There are more cars and drivers on the road every year. This could lead to an increased likelihood of a car accident for you and your family. Automobile insurance can be the difference between a minor setback and a large trial. So how can you figure out which type of insurance you need and how much to buy? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. By not owning insurance, you risk having to pay the total price of any harm you cause others. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. Local laws usually require standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was responsible for the accident. It is sometimes called no-fault coverage. It can also pay for lost earnings, service replacement and funeral costs. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. It pays for an insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial dilemma. Review your needs, do your research , and with the help of your insurance agency, choose the option that best suits you. Auto Insurance Clermont