Financial Security and Your Insurance Coverage

There are more cars on the road each year. This could lead to a higher possibility of a collision for you and your family. If you get in a car accident, the auto insurance you have can make a big difference in what happens next. So how can you figure out what insurance you need and how much to buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: It pays for expenses due to personal injury and property damage to others that you have caused. If you are in legal trouble, liability insurance can pay for your court costs. Local laws typically mandate minimum amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, no matter who was at fault in the accident. It is required in some states and optional in others. It can also pay for lost wages, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for a collision. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral costs. Collision: Pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * Which policies you select * The make and model of the car you drive * Your driving record * Your age, sex and marital status * Where you live Some people think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agency, make the decision that fits you best. Car Insurance Quotes Clermont