There are more cars hitting the road each year. As this number increases, the chances of a car collision will also go up. Car insurance can be the difference between a minor inconvenience and a major trial. How can you determine what insurance you need and how to buy it? Coverage requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. It can also cover your legal fees if you are sued. Local laws typically mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the accident. It is required in some states and optional in others. It can also cover lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who may have been at fault. It pays for all insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance protection covers all non-collision damages. This could include fire damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are breaking the law by driving without owning the right amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Other policies, including emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, including: * What coverage you choose * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial dilemma. Evaluate your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Auto Insurance Clermont
