Valley Business Connections

Car Insurance and You

There are more drivers hitting the road every year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a minor setback and a major hassle. How can you decide what type of insurance you need and where you should go to buy it? Car insurance provides you with protection from paying for damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or passengers in your car, plus specific other situations, such as robbery. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the accident. It is mandated in some states and optional in others. This insurance can also cover lost wages, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This may 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 coverage will make sure you are covered. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Other types of coverage, such as emergency road service and car rental, are also available. Car Insurance Quotes Clermont

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