You will see more and more drivers on the road every year. This could lead to an increased likelihood of a car accident. Car insurance can make the difference between a minor inconvenience and a major trial. How can you decide what type of insurance you need and where you should go to buy it? Coverage requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. It can also cover your legal fees if you are sued. Local laws usually mandate standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the crash. It is occasionally referred to as no-fault coverage. Local government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other types of coverage, such as emergency road service and car rental, can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, such as: * What coverage you select * The type of the car you own * Your driving record * Your age, sex and marital status * Where you live Some have consider car insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. Auto Insurance Quotes Clermont
^