Your Insurance Coverage Always Working For You
There are more cars on the road every year. With countless vehicles on the road, accidents will happen. If you get in a car crash, the car insurance you own can make a large difference in how much you have to pay. How can you decide what insurance you require and how you can buy it? Car accidents can lead to a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: It pays for expenses due to bodily injury and damage to property for which you are responsible. If you are in legal trouble, liability insurance will pay for your legal fees. State laws usually require minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also pay for lost wages, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault 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 expenses. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance covers any damages not caused by a collision. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the right amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other policies, like emergency road service, are also available. Car Insurance Quotes Clermont