Purchasing Insurance Protection About More Than Money

Every year, more drivers hit the highways. This can lead to an increased likelihood of a collision for you and your family. The difference between a small aggravation and large pain can be the car insurance you have purchased. How can you decide what insurance you need and how to buy it? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are in legal trouble, it also pays your legal fees. State laws usually require standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, regardless of who was responsible for the accident. It is sometimes referred to as no-fault coverage. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Pays for damage to your car caused by a collision. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the right amount of auto insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial dilemma. Review your needs, research your options, and with the support of your insurance agent, make the decision that fits you best. Auto Insurance Clermont