The WideRanging Benefits of Your Insurance Policy

Each year, more drivers travel America's roads. This could lead to a higher possibility of a car accident for you and your family. If you get in a car wreck, the car insurance you own can make a big difference in what happens next. So how do you know what insurance you need and how much you should buy? Required coverage varies by state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. If you are in legal trouble, liability insurance will pay for your legal fees. Recommended, higher levels of insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may have been at fault. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This may include weather damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the right amount of car insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Other types of car insurance, like emergency road service, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, gender 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 guidance of your insurance agency, make the decision that fits you best. Car Insurance Quotes Clermont