Purchasing Insurance Coverage About More Than Money

The amount of cars and drivers on the road increases each year. This can lead to a higher possibility of a car accident for you and your family. Car insurance can make the difference between a minor inconvenience and a large hassle. So how do you know what insurance you need and how much to buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Your state or province certainly requires some type of auto insurance. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: This type of insurance will pay for the damage that you have caused. These damages may include bodily injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, this type of insurance will pay for your court costs. Local laws usually mandate standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, no matter who was at fault in the collision. It is mandated in some states and optional in others. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for a collision. It pays for all insured person's necessary medical or funeral expenses resulting from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This could include weather damage, vandalism, and theft. 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: This pays for collision expenses when an insured person is in a crash caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, including: * Which policies you choose * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't procrastinate buying auto insurance; you shouldn't be on the road without it. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. Insurance Clermont