Types of Auto Insurance Coverage

There are more drivers hitting the road each year. This could lead to a higher possibility of a car accident. Car insurance can be the difference between a small setback and a major trial. How can you decide what insurance you require and where you should go to buy it? Required coverage varies based on the state/province but usually includes the following: Liability: It pays for the expenses you are responsible for in a car accident, including injury and property damage. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, no matter who was at fault in the crash. It is commonly called no-fault coverage. This insurance can also pay for lost wages, service replacement and funeral expenses. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who may be responsible. It pays for all insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments vary by 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, sex and marital status * The place 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, make the decision that best suits you. Auto Insurance Clermont

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