Different Car Insurance Policies

There are more drivers on the road every year. With countless vehicles on the road, accidents can happen. Car insurance can make the difference between a minor setback and a major hassle. So how can you figure out which type of insurance you need and how much to buy? Required coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. If you are sued, it also pays your legal fees. Local laws typically require standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also cover lost wages, service replacement and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for an accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without sufficient insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, including: * What coverage you choose * The type of the car you drive * Your driving record * Your age, sex and marital status * The place where you live Some people may not want to pay for car insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. Car Insurance Quotes Clermont