Buying Insurance Coverage About More Than Money

There are more cars on the road each year. This could lead to an increased likelihood of a collision for you and your family. The difference between a little aggravation and major obstacle can be the car insurance you have purchased. How can you decide what insurance you need and how to purchase it? Car accidents can result in a variety of different expenses, which can all be paid for based on the type of insurance you have purchased. Auto insurance is mandated by state law. By not purchasing insurance, you risk having to pay the total cost of any harm you cause others. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to car repair costs and loss of use of property. It also covers your defense and court costs if you are sued. State laws typically mandate standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the accident. It is mandated in some states and optional in others. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the proper amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Other types of coverage, including car rental, are also available. Your auto insurance payments varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have come to think of 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 agent, choose the option that fits you best. Auto Insurance Quotes Clermont