Types of Auto Insurance Coverage

Each year, more cars and drivers are on the roads. As this number increases, the chances of a car collision will also increase. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. So how can you find out what type of car insurance you need and how much to purchase? Mandated coverage varies based on the state/province but usually includes the following: Liability: It pays for the expenses you have caused to others in a car collision, including injury and property damage. It also covers your legal fees if you are sued. State laws usually mandate minimum amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is mandated 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 can also pay for lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, such as car rental, are also available. Car Insurance Quotes Clermont