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There are more drivers hitting the road every year. This can lead to a higher possibility of a car accident for you and your family. The difference between a small aggravation and major pain can be car insurance. So how do you know which type of insurance you need and how much to buy? Insurance requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damage to your car caused by an accident. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include fire damage, vandalism, and burglary. Uninsured Motorist: Many drivers are ignoring the law by driving without having the right amount of auto insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, such as: * Which policies you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that best suits you. Auto Insurance Quotes Clermont
