Extensive Insurance Coverage

There are more cars and drivers hitting the road every year. With so many vehicles on the road, accidents will happen. If you get in a car accident, the auto insurance you have can make a big difference in how much you have to pay. But why do you need insurance and exactly how much should you purchase? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Auto insurance is mandated by state law. 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 all the damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property or loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the crash. It is mandated in some states and optional in others. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other kinds of coverage, including car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * What coverage you select * The make and model 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 Some people 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, research your options, and with the help of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont