The amount of drivers on the road increases each year. As this number increases, the possibility of accidents also increases. Car insurance can be the difference between a small inconvenience and a major hassle. How can you determine what insurance you require and how to buy it? Mandated coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property and loss of use of property. 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 insurance. Personal Injury Protection: This 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. It may also pay for lost wages, replacement of services and funeral costs. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available 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 and necessary medical or funeral expenses resulting from an accident. Collision: Pays for damages to your car caused by a collision. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by a driver who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, including emergency road service, can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: * What coverage you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people think of car insurance as a necessary evil, but it can save you from a financial dilemma. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. Auto Insurance Clermont
^