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What is Car Insurance?

There are more cars on the road every year. With the increasing number of vehicles on the road, crashes are going to happen. If you get in a car accident, the car insurance you own can make a big difference in how much you have to pay. So how can you figure out what insurance you need and how much to buy? Auto insurance provides you with protection from paying for damage caused to your car or another person's car and injury to others, yourself, or your passengers, and specific other occurrences, such as burglary. By not purchasing insurance, you run the risk of having to pay the total cost of any harm you cause others. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. If you are in legal trouble, liability insurance can pay for your court costs. Recommended, more comprehensive levels of insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the accident. It is required in some states and optional in others. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this policy is bought, the insured person will receive payment for all types of medical or funeral expenses. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without enough insurance coverage. Other policies, including car rental and emergency road service, are also available. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you select * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can save you from a financial fiasco. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Car Insurance Quotes Clermont

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