The amount of drivers on the road increases every year. This could lead to a higher possibility of a car accident for you and your family. Automobile insurance can be the difference between a minor setback and a large hassle. So how do you know what insurance you need and how much you should buy? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. If you are in legal trouble, it also pays your court costs. Local laws usually mandate standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also cover lost wages, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who may be responsible. If this policy is bought, the insured person will receive coverage for necessary medical or funeral costs. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Other policies, including 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 Some people don't want to pay for auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agent, choose the option that fits you best. Auto Insurance Clermont
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