Financial Security and Your Insurance Policy

The amount of cars and drivers on the road increases each and every year. With so many vehicles on the road, accidents are going to happen. Car insurance can make the difference between a minor inconvenience and a major trial. So how can you figure out what insurance you need and how much to buy? Car accidents can result in a variety of different expenses, which your car insurance can pay for based on the type of insurance you have purchased. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: This type of insurance can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. If you are sued, this type of insurance can pay for your court costs. State laws usually mandate standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the crash. It is occasionally referred to as no-fault coverage. State government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance covers all damages not caused by a collision. This could include hail damage, vandalism, and theft. Uninsured Motorist: Many drivers are breaking the law by driving without having the right amount of auto insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for damages when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to pay for the full cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Auto Insurance Quotes Clermont