Comprehensive Insurance Coverage

The amount of cars on the road increases each and every year. This can lead to a higher possibility of a car accident for you and your family. The difference between a small bother and large obstacle can be your car insurance. But why do you need insurance and just how much should you buy? Coverage requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is mandated in some states and optional in others. It may also cover lost earnings, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damage to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the proper amount of car insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. This type of insurance covers you from those drivers. Other kinds of car insurance, such as emergency road service, can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, such as: * Which policies you select * The make and model of the car you drive * Your driving record * Your age, sex and marital status * The place where you live Don't wait around to buy auto insurance; you should never drive a car without it. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that best suits you. Insurance Clermont

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