There are more cars on the road each year. As this number increases, the possibility of accidents also increases. The difference between a small bother and large pain can be your car insurance. So how do you know which type of insurance you need and how much to buy? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Car insurance is required by law in all states and provinces. Without insurance, you risk having to pay the total price of the harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Liability pays for the expenses you have caused to others in a car accident, including injury and property damage. If you are in legal trouble, it also pays your legal fees. State laws typically mandate standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the crash. It is sometimes called no-fault coverage. It can also cover lost earnings, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of coverage. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex 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, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Car Insurance Quotes Clermont
