Extensive Insurance Policies

There are more cars hitting the road every year. As this number increases, the chances of a car accident will also go up. Automobile insurance can be the difference between a small setback and a large trial. But why do you need insurance and exactly how much should you buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to damaged property and loss of property use. If you are sued, this type of insurance will pay for your legal fees. Local laws typically mandate minimum amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This is required 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. It can also pay for lost wages, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a collision. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance protection takes care of all non-collision damages. This may include fire damage, vandalism, and robbery. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the right amount of auto insurance. This insurance will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance 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 vary by company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some people think they can get by without car insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. Auto Insurance Clermont

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