You will see more cars on the road every year. This could lead to a higher possibility of a collision. The difference between a little bother and large obstacle can be the car insurance you own. But why do you need insurance and just how much should you buy? Car accidents can result in a variety of different expenses, which can all be paid for based on the type of coverage you own. Every state or province mandates car insurance by law. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Local laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is mandated 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. This insurance may also pay for lost wages, service replacement and funeral costs. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's necessary medical and funeral expenses resulting from an accident. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are breaking the law by driving without having the proper amount of car insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. Insurance Clermont
^