Each year, more automobiles and drivers hit the roads. With countless vehicles on the road, accidents will happen. If you get in a car crash, the auto insurance you have can make a big difference in the experience you have. So how can you find out what type of car insurance you need and how much to purchase? Car insurance provides you with protection from covering the cost of damage caused to your vehicle or someone else's vehicle and injury to other people, yourself, or your passengers, and specific other occurrences, such as robbery. By not purchasing insurance, you run the risk of having to pay the total cost of the harm or injury you cause others. Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. If you are in legal trouble, this type of insurance can pay for your defense and court costs. Recommended, more comprehensive levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, no matter who was at fault in the collision. It is required in some states and optional in others. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. 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 in an accident with a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without enough insurance coverage. Other policies, including car rental, are also available. What you pay for car insurance varies by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that fits you best. Insurance Clermont
^