Your Auto Insurance Plan

There are more cars and drivers hitting the road every year. As this number increases, the chances of a car accident will also go up. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. How can you determine what insurance you need and where you should go to buy it? Mandated coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. If you are in legal trouble, liability insurance will pay for your legal fees. State laws usually mandate standard amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the crash. It is required in some states and optional in others. This insurance can also cover lost earnings, service replacement and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damage to your car caused by an accident. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: Many drivers are breaking the law by driving a car without purchasing the proper amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by a driver who does not have enough liability insurance to cover the full amount of the damages. Other policies, such as emergency road service, are also available. Auto Insurance Quotes Clermont