Directory Lifestyle

Your Home Insurance Coverage Always Working For You

Each year, more cars and drivers hit the highways. This could lead to an increased likelihood of a collision. Automobile insurance can make the difference between a minor inconvenience and a major hassle. So how can you find out what type of car insurance you need and the quantity you should buy? Required coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more 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. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This could include hail damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the car you drive * Your driving record * Your age, gender and marital status * Where you live Many people may not want to pay for auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont