The FarReaching Benefits of Your Insurance Policy

Every year, more drivers hit the highways. This could lead to an increased likelihood of a collision for you and your family. The difference between a small aggravation and major obstacle can be automobile insurance. So how do you know what insurance you need and how much you should buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. By not purchasing insurance, you risk having to pay the full cost of the harm or injury you cause others. Liability: This type of insurance coverage can pay for the damage that you have caused. These damages might include bodily injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, this type of insurance can pay for your defense and court costs. State laws typically mandate standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the accident. It is commonly referred to as no-fault coverage. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for an accident. If you buy this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. 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 covers you in accidents involving those drivers. Other policies, including car rental and emergency road service, are also available. Auto Insurance Clermont