Insurance and You

You will see more and more cars on the road each year. As this number increases, the possibility of accidents also increases. The difference between a small aggravation and major obstacle can be the car insurance you have purchased. But why do you need insurance and just how much should you buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. No matter where you are living, you will need to buy some type of car insurance. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. It can also cover your defense and court costs if you are sued. State laws typically require standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, regardless of who was responsible for the crash. It is mandated in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral costs. State government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Other types of coverage, like car rental, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial fiasco. Review your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont