Financial Security and Your Insurance Policy

We see more drivers on the road every year. With so many vehicles on the road, accidents can happen. If you get in a car accident, the car insurance you own can make a large difference in how much you have to pay. How can you decide what insurance you require and how to buy it? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Car insurance is required by state law. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. 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. State laws usually require minimum amounts of liability insurance, but higher amounts can be purchased and are very beneficial. 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. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Pays for damages to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without sufficient insurance coverage. Other types of car insurance, like emergency road service and car rental, are also available. Car Insurance Quotes Clermont