Auto Insurance and You

Each year, more cars and drivers hit the highways. This could lead to an increased likelihood of a car accident. The difference between a small aggravation and major obstacle can be your car insurance. How can you decide what insurance you require and where you should go to buy it? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are in legal trouble, liability insurance will pay for your court costs. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was responsible for the accident. It is required in some states and optional in others. It may also cover lost wages, service replacement and funeral costs. Local law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance covers any non-collision damages. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Other policies, such as emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy auto insurance; you should never be on the road without it. Review your needs, research your options, and with the help of your insurance agent, choose the option that best suits you. Auto Insurance Clermont

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