What Car Insurance Means to You

There are more drivers hitting the road each year. With so many vehicles on the road, accidents will happen. The difference between a small bother and large pain can be your insurance. How can you determine what insurance you need and how to buy it? Insurance requirements will differ by state/province, but typically include the following: Liability: Liability pays for expenses due to bodily injury and property damage to others that you have caused. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, liability insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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 can also cover lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive payment for all types of medical or funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This may include hail damage, vandalism, and burglary. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Auto Insurance Quotes Clermont