There are more drivers on the road each year. With countless vehicles on the road, crashes can happen. The difference between a small aggravation and large obstacle can be automobile insurance. So how can you figure out what insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: Liability pays for the expenses you have caused to others in a car accident, including property damage and injury. If you are in legal trouble, this type of insurance can pay for your court costs. Recommended, higher levels of insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the accident. It is commonly called no-fault coverage. State government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable medical and 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 any non-collision damages. This may include fire damage, vandalism, and theft. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other types of coverage, including car rental and emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Auto Insurance Clermont
