Filed Under: Uncategorized by admin —Comments Off
Each year, more cars and drivers are on the roads. With so many vehicles on the road, crashes can happen. The difference between a small bother and large obstacle can be your car insurance. So how do you know what insurance you need and the quantity you should buy? Car insurance protects you by paying for damage or injury you cause others while driving your car, damage to your car or personal injury or injury to your passengers from an accidents, and specific other situations, such as theft. By not owning insurance, you run the risk of having to pay the full cost of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: This kind of insurance can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. It also covers your legal fees if you are sued. State laws usually require minimum amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the collision. It is sometimes called no-fault coverage. State law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: This pays for damages to your car caused by an accident. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This may include weather damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Other policies, including car rental, are also available. What you pay for auto insurance varies based on the 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, gender and marital status * The place where you live Some people have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont