Insurance and You

Each year, more cars and drivers hit the roads. As this number increases, the possibility of accidents also increases. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. How can you determine what insurance you require and where you should go to buy it? Mandated coverage varies based on the 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. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, no matter who was responsible for the collision. It is commonly called no-fault coverage. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for an accident. If this policy has been purchased, the insured person will receive coverage for reasonable medical or funeral costs. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, including: * What coverage you select * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * The place where you live Some have consider car 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 support of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont