Types of Auto Insurance Coverage

We see more drivers on the road every year. This could lead to an increased likelihood of a car accident. If you get in a car crash, the car insurance you own can make a large difference in how much you have to pay. So how do you know what insurance you need and the quantity you should purchase? Coverage requirements vary by state/province, but typically include the following: Liability: It pays for the expenses you are responsible for in a car collision, including property damage and injury. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local law typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance covers any non-collision damages. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: Many drivers are breaking the law by driving without having the proper amount of auto insurance. This insurance will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: * Which policies you choose * The type of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Some people have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Auto Insurance Quotes Clermont