Everything You Need to Know About Auto Insurance

There are more drivers hitting the road every year. As this number increases, the chances of a car wreck will also increase. Automobile insurance can make the difference between a small inconvenience and a large hassle. But why do you need to own insurance and exactly how much should you purchase? Mandated coverage varies by state/province but typically includes the following: Liability: Pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. It also covers your legal fees if you are sued. State laws typically require minimum amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also pay for lost wages, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Insurance Clermont