There are more drivers on the road each year. As this number goes up, the chances of a car accident will also go up. The difference between a little bother and large obstacle can be the car insurance you own. But why do you need insurance and just how much should you purchase? Car insurance protects you by paying for injury or damage you inflict on others while driving your car, damage to your car or injury to you or your passengers from an accidents, plus specific other occurrences, such as robbery. By not owning insurance, you run the risk of having to pay the full price of any harm or injury you cause others. Liability: Liability pays for the expenses you have caused to others in a car accident, including property damage and injury. If you are in legal trouble, it also pays your court costs. Local laws typically mandate minimum amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is commonly referred to as no-fault coverage. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damages to your car caused by a collision. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the proper amount of auto insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance protection. Other types of coverage, including emergency road service, are also available. What you pay for auto insurance varies by 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 * The place where you live Many people think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. Insurance Clermont
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