Different Car Insurance Policies

The number of cars on the road increases each and every year. With countless vehicles on the road, accidents are going to happen. Car insurance can make the difference between a minor inconvenience and a major trial. But why do you need to own insurance and just how much should you purchase? Coverage requirements will differ by state/province, but typically include the following: Liability: It pays for damages due to personal injury and property damage to others that you have caused. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. If you are in legal trouble, it also pays your court costs. State laws typically mandate standard amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, regardless of who was responsible for the collision. It is required in some states and optional in others. State law 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. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance takes care of any non-collision damages. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the right amount of auto insurance. This type of coverage will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of car insurance, including emergency road service and car rental, can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial crisis. Review your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont