Buying Insurance It's Not About The Money
The number of cars on the road increases every year. With so many vehicles on the road, crashes can happen. If you get in a car crash, the auto insurance you have can make a big difference in how much you have to pay. So how can you figure out what insurance you need and how much you should buy? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Bodily injury damages can include medical fees, 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, higher levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance may also pay for lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage is purchased, the insured person will receive coverage for necessary medical or funeral expenses. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of car insurance, including emergency road service and car rental, are also available. Your car insurance payments vary by company and will depend on several factors, such as: *Your selected 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 wait around to buy auto insurance; you shouldn't drive a car without it. Review your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont