Your Car Insurance Plan

Each year, more cars and drivers hit the roads. As this number goes up, the possibility of accidents also goes up. Car insurance can make the difference between a small inconvenience and a major trial. But why do you need insurance and just how much do you need? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. No matter where you are living, you are required to purchase some type of auto insurance. By not owning insurance, you run the risk of having to pay the total cost of any harm you cause others. Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. If you are in legal trouble, liability insurance can pay for your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. 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 accident. It is mandated in some states and optional in others. It may also pay for lost wages, replacement of services and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance covers all damages not caused by a collision. This could include weather damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance coverage. Other policies, like car rental and emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many people don't want to pay for auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Insurance Clermont