The FarReaching Benefits of Your Insurance Coverage

There are more cars and drivers on the road every year. As this number goes up, the chances of a car wreck will also go up. Automobile insurance can make the difference between a minor inconvenience and a major trial. How can you decide what insurance you need and where you should go to buy it? Required coverage varies by state/province but usually includes the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. If you are in legal trouble, liability insurance can pay for your defense and court costs. Local laws usually require standard amounts, but larger amounts are available and very beneficial. Personal Injury Protection: This 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. It can also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in non-no-fault states; it pays despite who carries responsibility for an accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the right amount of auto insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without enough insurance coverage. Other types of coverage, including car rental, can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, including: * What coverage you choose * The type of the vehicle you drive * Your driving record * Your age, gender and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Auto Insurance Clermont