What is Auto Insurance?

There are more cars on the road every year. This could lead to an increased likelihood of a car accident for you and your family. Automobile insurance can be the difference between a minor inconvenience and a large hassle. How can you decide what insurance you require and how to buy it? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Car insurance is required by law in all states and provinces. Without insurance, you run the risk of having to pay the full price of the harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages may include bodily injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, it also pays your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is sometimes called no-fault coverage. Local 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. If this policy has been purchased, the insured person will receive payment for necessary medical and funeral costs. Collision: Pays for damage to your car caused by a collision. Comprehensive: This kind of insurance takes care of any damages not caused by a collision. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the right amount of auto insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Other kinds of coverage, including emergency road service, are also available. What you pay for car insurance varies by company and will depend on multiple factors, including: * Which policies you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't procrastinate buying car insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Auto Insurance Clermont