Why You Need Auto Insurance

Every year, more cars and drivers hit the roads. With the increasing number of vehicles on the road, crashes can happen. The difference between a small bother and major obstacle can be your insurance. So how do you know what insurance you need and how much to purchase? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. No matter where you are living, you are required to buy some type of auto insurance. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: This type of insurance can pay for the damage that you have caused. These damages might include bodily injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are sued, it also pays your legal fees. Local laws typically mandate minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This is mandated 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 typically set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy has been bought, the insured person will receive payment for all types of medical or funeral costs. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the proper amount of car insurance. This type of coverage will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Other policies, including car rental, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * What coverage you select * The type of the car you own * Your driving record * Your age, sex and marital status * The place where you live Some people have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. Auto Insurance Quotes Clermont