Comprehensive Homeowners Insurance Policies

There are more cars and drivers on the road each year. As this number goes up, the chances of a car wreck will also go up. Automobile insurance can make the difference between a minor inconvenience and a large trial. But why is insurance required by law and just how much do you need? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages might include personal injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased 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. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If this type of coverage has been bought, the insured person will receive coverage for all types of medical or funeral expenses. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Protect your car from damages from other sources when you buy this type of insurance. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance protection. Other types of coverage, like car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't wait around to buy car insurance; you should never drive a car without it. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. Auto Insurance Quotes Clermont