The WideRanging Benefits of Your Insurance Policy

Each year, more drivers travel America's roads. With countless vehicles on the road, accidents are going to happen. If you get in a car wreck, the auto insurance you have can make a big difference in how much you have to pay. So how do you know what insurance you need and how much to buy? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Every state and province mandates automobile insurance by law. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Liability pays for damages due to personal injury and damage to property that you are responsible for. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, no matter who was responsible for the crash. It is mandated in some states and optional in others. This insurance can also pay for lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy is purchased, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance covers all damages not caused by a collision. This could include flood damage, vandalism, and theft. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will protect you. 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. This type of insurance protects you in accidents involving those drivers. 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 * Your driving record * Your age, sex and marital status * Where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. Auto Insurance Quotes Clermont