Insurance and How It Helps You

The amount of cars on the road increases each year. This can lead to an increased likelihood of a car accident for you and your family. Automobile insurance can be the difference between a small setback and a large hassle. How can you determine what insurance you require and how you can purchase it? Car crashes can result in a variety of different expenses, which your car insurance might be able to pay for based on the insurance policy you own. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more than the stripped-down, state-mandated insurance. 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. It may also pay for lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. This insurance will pay for all insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for car insurance varies by company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people have come to think of car insurance as a necessary evil, but it can truly rescue you from a financial disaster. Review your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont