Extensive Insurance Coverage

Each year, more drivers travel America's roads. With so many vehicles on the road, accidents can happen. The difference between a small aggravation and large obstacle can be your insurance. So how do you know which type of insurance you need and how much you should buy? Required coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. It can also cover your legal fees if you are sued. Local laws typically require standard amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance 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 is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy has been bought, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance covers any damages not caused by a collision. This may include flood damage, vandalism, and burglary. 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 can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of car insurance, such as car rental, can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people may not want to pay for car insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. Auto Insurance Quotes Clermont