Types of Auto Insurance Coverage

Each year, more cars and drivers travel the roads. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a small inconvenience and a major trial. How can you decide what type of insurance you require and how to buy it? Mandated coverage varies by state/province but typically includes the following: Liability: Pays for the expenses you have caused to others in a car accident, including injury and property damage. If you are in legal trouble, this type of insurance can pay for your defense and court costs. State laws typically mandate standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This is required 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 local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who may have been at fault. It pays for all insured person's necessary medical and funeral expenses resulting from a crash. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving without owning the proper amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. Auto Insurance Quotes Clermont