Purchasing Homeowners Insurance About More Than Money

There are more drivers hitting the road every year. This can lead to a higher possibility of a car accident. The difference between a little aggravation and major pain can be automobile insurance. But why is insurance required by law and just how much do you need? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. By not owning insurance, you run the risk of having to pay the full price of any harm you cause others. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, it also pays your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the accident. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damages to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the right amount of insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other policies, such as emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, such as: * Which policies you choose * 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 may not want to pay for auto insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. Auto Insurance Clermont

[Top]