Your Auto Insurance Plan
- 4 30, 2016
- |Auto Insurance
- No Comments
We see more drivers on the road each year. This could lead to a higher possibility of a collision. If you get in a car wreck, the car insurance you have can make a large difference in how much you have to pay. So how can you find out what insurance you need and how much to buy? Car insurance protects you by covering the cost of injury or damage you inflict on others while you are driving, damage to your vehicle or injury to you or your passengers from a crash, plus certain other incidents, such as burglary. Your state or province certainly requires some type of car insurance. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or 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. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of liability 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. This insurance may also pay for lost earnings, service replacement and funeral expenses. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy has been bought, the insured person will receive coverage for necessary medical or funeral expenses. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This includes protection from burglary, 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: Similar to uninsured coverage, this type of insurance covers you from people driving without enough insurance coverage. Other kinds of car insurance, such as emergency road service, can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some drivers don't want to pay for car insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont