Insurance and How It Helps You

We see more cars on the road each year. With the increasing number of vehicles on the road, accidents will happen. If you get in a car wreck, the auto insurance you own can make a large difference in the experience you have. But why do you need insurance and just how much do you need? Insurance requirements will differ by state/province, but usually include the following: Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. Bodily injury damages can include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was responsible for the collision. It is commonly referred to as no-fault coverage. It may also pay for lost earnings, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. It pays for an insured person's reasonable medical and funeral expenses resulting from an accident. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Auto Insurance Quotes Clermont