Extensive Insurance Coverage

Each year, more automobiles and drivers travel the roads. As this number increases, the chances of a car wreck will also go up. If you get in a car wreck, the auto insurance you own can make a large difference in how much you have to pay. So how can you find out what type of car insurance you need and how much to buy? Mandated coverage varies by state/province but typically includes the following: Liability: Liability pays for damages due to personal injury and damage to property that you have caused. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of use of property. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. 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. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who may have been at fault. If you buy this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the right amount of auto insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other types of coverage, like emergency road service, can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Auto Insurance Clermont