We see more and more drivers on the road each year. As this number increases, the chances of a car accident will also go up. Automobile insurance can be the difference between a minor inconvenience and a major hassle. So how can you find out what insurance you need and the quantity you should buy? Insurance requirements will differ by state/province, but usually include the following: Liability: Liability pays for the expenses you have caused to others in a car collision, including injury and property damage. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a crash. This insurance will pay for an insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: Pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, such as emergency road service, are also available. Your car insurance payments varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Auto Insurance Quotes Clermont
