Each year, more drivers travel the highways. This can lead to an increased likelihood of a car accident for you and your family. If you get in a car accident, the auto insurance you have can make a big difference in how much you have to pay. So how do you know what insurance you need and how much you should buy? Car insurance provides you with protection from paying for damage or injury you cause others while you are driving, damage to your car or injury to you or your passengers from an accidents, plus certain other occurrences, such as robbery. Every state and province mandates automobile insurance by law. By not purchasing insurance, you risk having to pay the full price of the harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was at fault in the accident. It is occasionally called no-fault coverage. This insurance may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to pay for the full cost of the damages. Other types of coverage, like car rental, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * What coverage you choose * The type of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some drivers think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best. Auto Insurance Clermont
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