Different Car Insurance Policies

You will see more and more drivers on the road each year. This can lead to an increased likelihood of a car accident. The difference between a little bother and major pain can be automobile insurance. But why is insurance important and just how much should you buy? Required coverage varies by state/province but usually includes the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include personal injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property and loss of use of property. If you are in legal trouble, it also pays your court costs. Local laws usually require minimum amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the accident. It is required in some states and optional in others. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive coverage for all types of medical and funeral costs. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. 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 coverage, like car rental, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't procrastinate buying auto insurance; you should never be on the road without it. Review your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. Car Insurance Quotes Clermont