Each year, more cars and drivers travel the roads. This can lead to a higher possibility of a car accident. If you get in a car accident, the auto insurance you have can make a big difference in the experience you have. So how do you know what insurance you need and the quantity you should buy? Required coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. If you are sued, liability insurance can pay for your legal fees. State laws usually mandate standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was responsible for the collision. It is commonly called no-fault coverage. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for an accident. If you buy this type of coverage, you will receive payment for all types of medical or funeral costs. Collision: Pays for damage to your car caused by an accident. Comprehensive: This type of insurance protection takes care of any non-collision damages. This could include hail damage, vandalism, and theft. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the total cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, such as: *Your selected 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 drivers may not want to pay for auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. Car Insurance Quotes Clermont
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