Comprehensive Insurance Policies

The number of cars on the road increases each year. With the increasing number of vehicles on the road, crashes can happen. If you get in a car wreck, the auto insurance you have can make a large difference in what happens next. But why do you need insurance and exactly how much should you buy? Insurance requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It also covers your legal fees if you are sued. Local laws usually require standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also cover lost wages, service replacement and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage is available in non-no-fault states; it pays despite who carries responsibility for an accident. This insurance will pay for all insured person's necessary medical or funeral expenses resulting from a crash. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of coverage, like car rental, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. Insurance Clermont