Buying Insurance It's Not About The Money

Every year, more cars and drivers travel the highways. As this number increases, the chances of a car collision will also increase. If you get in a car wreck, the auto insurance you have can make a big difference in how much you have to pay. But why do you need to own insurance and just how much should you purchase? Car crashes can result in a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Every state and province requires auto insurance by law. By not purchasing insurance, you risk having to pay the full price of any harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: It pays for expenses due to bodily injury and property damage to others that you are responsible for. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the lower, state-mandated insurance. 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: 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. If you purchase this type of coverage, you will receive payment for all types of medical or funeral expenses. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Protect your car from damages from other sources when you buy this type of insurance. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other kinds of coverage, including emergency road service and car rental, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont