Comprehensive Home Insurance Policies

There are more drivers on the road every year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a small setback and a major trial. But why do you need to own insurance and exactly how much should you purchase? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. By not owning insurance, you run the risk of having to pay the full cost of the harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This type of insurance will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance can also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by local government. 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. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Pays for damages to your car caused by a collision. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other kinds of coverage, including car rental, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some drivers don't want to pay for car insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont

[Top]