Your Insurance Policy Always Working For You

There are more cars hitting the road every year. This can lead to an increased likelihood of a collision. If you get in a car crash, the car insurance you own can make a large difference in how much you have to pay. How can you decide what insurance you require and where you should go to buy it? Coverage requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. It also covers 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 stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is required in some states and optional in others. It may also cover lost wages, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who may be responsible. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance covers any damages not caused by a collision. This could include weather damage, vandalism, and theft. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other policies, like car rental and emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial crisis. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. Insurance Clermont