There are more cars hitting the road each year. With so many vehicles on the road, accidents can happen. If you get in a car crash, the car insurance you own can make a big difference in the experience you have. So how do you know what insurance you need and the quantity you should buy? Coverage requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. If this type of coverage has been purchased, the insured person will receive payment for necessary medical or funeral costs. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the proper amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies by company and will depend on several factors, including: * What coverage you choose * The make and model of the car you drive * Your driving record * Your age, sex and marital status * The place where you live Some have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont
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