Comprehensive Insurance Policies

Each year, more cars and drivers travel our roads and freeways. This could lead to a higher possibility of a car accident for you and your family. If you get in a car accident, the auto insurance you own can make a big difference in how much you have to pay. But why do you need insurance and exactly how much should you buy? Car accidents can result in many different expenses, which your insurance might be able to pay for based on the type of insurance you have purchased. Your state or province certainly mandates some type of auto insurance. By not purchasing insurance, you run the risk of having to pay the total price of the harm or injury you cause others. Liability: Liability pays for the expenses you have caused to others in a car collision, including property damage and injury. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the accident. It is required in some states and optional in others. It may also cover lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by another person who does not have enough liability insurance to cover the total cost of the damages. Other types of coverage, including car rental and emergency road service, are also available. Your car insurance payments varies based on the company and will depend on several factors, including: * What coverage you select * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Auto Insurance Clermont