Financial Security and Your Insurance Coverage

There are more cars on the road every year. This can lead to a higher possibility of a car accident for you and your family. Car insurance can be the difference between a minor setback and a large hassle. But why do you need to own insurance and just how much should you purchase? Your insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Pays for damages due to bodily injury and damage to property that you are responsible for. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, no matter who was responsible for the crash. It is occasionally called no-fault coverage. This insurance can also cover lost earnings, replacement of services and funeral costs. State law typically 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. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the right amount of car insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance protection. Other kinds of coverage, like emergency road service and car rental, are also available. What you pay for car insurance varies by company and will depend on several factors, including: * What coverage you select * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Many people consider car 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 agency, choose the option that best suits you. Car Insurance Quotes Clermont