Your Insurance Policy Always Working For You

Each year, more drivers travel America's roads. As this number increases, the possibility of accidents also increases. Automobile insurance can make the difference between a minor setback and a large hassle. But why do you need insurance and just how much should you purchase? Car accidents can result in a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Car insurance is mandated by law in all states and provinces. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Liability pays for damages due to bodily injury and damage to property for which you are responsible. If you are in legal trouble, liability insurance will pay for your court costs. Local laws usually mandate minimum amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This is mandated 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. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who may have been at fault. If this policy is bought, the insured person will receive coverage for reasonable medical and funeral costs. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving without owning the right amount of insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from people driving without sufficient insurance protection. Other policies, such as car rental and emergency road service, are also available. Your auto insurance payments vary by company and will depend on multiple factors, including: * What coverage you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't wait around to buy car insurance; you shouldn't drive a car without it. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont