Automobile Insurance and You

We see more and more cars on the road each year. As this number increases, the chances of a car accident will also go up. The difference between a little aggravation and major pain can be your insurance. So how can you find out what type of car insurance you need and the quantity you should buy? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Without insurance, you risk having to pay the full cost of the harm you cause others. Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. If you are sued, it also pays your legal fees. Local laws typically require minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was at fault in the collision. It is sometimes referred to as no-fault coverage. This insurance may also cover lost earnings, service replacement and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without sufficient insurance coverage. Other kinds of car insurance, including emergency road service and car rental, can also be purchased. Insurance Clermont