Why You Need Car Insurance

Every year, more cars hit America's roads. With so many vehicles on the road, accidents will happen. The difference between a small aggravation and major pain can be automobile insurance. But why do you need to own insurance and exactly how much should you purchase? Required coverage varies based on the state/province but usually includes the following: Liability: Pays for damages due to personal injury and property damage to others that you have caused. Bodily injury damages include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. It can also cover your legal fees if you are sued. Local laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, regardless of who was at fault in the collision. It is mandated in some states and optional in others. It may also cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who may be responsible. If you purchase this type of coverage, you will receive coverage for all types of medical or funeral expenses. Collision: Pays for damages to your car caused by a collision. Comprehensive: This kind of insurance takes care of any damages not caused by a collision. This may include fire damage, vandalism, and robbery. 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: Similar to uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance coverage. Other types of car insurance, like emergency road service and car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your desired 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 have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont