The FarReaching Benefits of Your Insurance Policy

You will see more cars on the road every year. This can lead to a higher possibility of a collision. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. But why do you need insurance and just how much do you need? Auto insurance protects you by paying for injury or damage you inflict on others while driving your car, damage to your car or personal injury or injury to your passengers from an accidents, plus certain other occurrences, such as burglary. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: It pays for expenses due to bodily injury and property damage to others that you are responsible for. Damages from bodily injury include medical fees, and lost wages. Property damage includes damaged property and loss of use of property. If you are in legal trouble, this type of insurance can pay for your legal fees. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was responsible for the accident. It is mandated in some states and optional in others. This insurance may also cover lost earnings, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other policies, like car rental and emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. Car Insurance Quotes Clermont