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Types of Car Insurance Coverage

You will see more drivers on the road each year. This can lead to an increased likelihood of a collision. Car insurance can make the difference between a minor setback and a major hassle. But why do you need insurance and just how much should you get? Auto insurance provides you with protection from paying for injury or damage you inflict on others while driving your car, damage to your vehicle or personal injury or injury to your passengers from a crash, plus specific other incidents, such as robbery. Without insurance, you run the risk of having to pay the full cost of any harm or injury you cause others. Liability: This type of insurance will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. It can also cover your defense and court costs if you are sued. State laws usually mandate minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also pay for lost earnings, service replacement and funeral expenses. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who may have been at fault. This insurance will pay for an insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other types of coverage, such as emergency road service, can also be purchased. Your auto 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 have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Auto Insurance Clermont

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