How Does Car Insurance Work?
There are more drivers hitting the road each year. As this number increases, the possibility of accidents also increases. If you get in a car wreck, the auto insurance you own can make a big difference in the experience you have. So how do you know what insurance you need and how much to buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are in legal trouble, liability insurance can pay for your court costs. State laws usually require standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the crash. It is occasionally called no-fault coverage. It can also pay for lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: This pays for damage to your car caused by an accident. Comprehensive: This kind of insurance covers all non-collision damages. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the right amount of auto insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Other kinds of car insurance, like car rental, can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many drivers don't want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Car Insurance Quotes Clermont