Car Insurance Basics

There are more cars hitting the road each year. With countless vehicles on the road, accidents are going to happen. The difference between a little aggravation and major obstacle can be car insurance. So how do you know which type of insurance you need and how much you should buy? Mandated coverage varies by 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. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased 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 your passengers, no matter who was responsible for the collision. It is commonly referred to as no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for an accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Pays for damage to your car caused by a collision. Comprehensive: Cover your car from damages from other sources by purchasing this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other policies, including car rental and emergency road service, are also available. Your car insurance payments varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people think they can get by without auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. Insurance Clermont