Why You Need Automobile Insurance

The amount of cars on the road increases each and every year. As this number increases, the possibility of accidents also increases. Car insurance can be the difference between a minor inconvenience and a large trial. So how do you know what insurance you need and how much to buy? Required coverage varies by state/province but usually includes the following: Liability: It pays for the expenses you are responsible for in a car collision, including property damage and injury. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is mandated in some states and optional in others. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for a collision. If this policy has been bought, the insured person will receive coverage for reasonable medical or funeral expenses. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance covers any non-collision damages. This may include hail damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: * Which policies you select * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Some people have come to think of auto insurance as a necessary evil, but it can truly rescue you from a financial disaster. Review your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. Auto Insurance Quotes Clermont