Your Insurance Policy Always Working For You

Every year, more cars hit our roads and freeways. This could lead to an increased likelihood of a collision for you and your family. If you get in a car wreck, the auto insurance you have can make a large difference in what happens next. So how do you know which type of insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: This type of insurance will pay for the damage that you have caused. These damages might include personal injury, and property damage. It can also cover your defense and court costs if you are sued. State laws usually mandate minimum amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the accident. It is required in some states and optional in others. This insurance may also cover 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. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This could include flood damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the right amount of car insurance. This type of coverage will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without enough insurance coverage. Other types of coverage, like emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, including: * Which policies you choose * The type of the car you own * Your driving record * Your age, gender and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that best suits you. Auto Insurance Clermont