The FarReaching Benefits of Your Insurance Coverage

The amount of drivers on the road increases each and every year. As this number increases, the chances of a car wreck will also increase. The difference between a small aggravation and large pain can be the car insurance you have purchased. But why do you need to own insurance and exactly how much should you purchase? Auto insurance protects you by paying for damage caused to your car or another person's car and injury to others, yourself, or passengers in your car, plus certain other occurrences, such as burglary. Auto insurance is required by state law. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: This type of insurance will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who may have been at fault. This insurance will pay for an insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: This pays for damages to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving without having the right amount of insurance. This type of coverage will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: This pays for damages when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other kinds of coverage, including emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: *Your desired 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 Don't procrastinate buying auto insurance; you should never drive a car without it. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Insurance Clermont