Your Insurance Coverage Always Working For You

You will see more cars on the road each year. This could lead to a higher possibility of a car accident. Automobile insurance can be the difference between a minor setback and a major trial. So how can you find out what insurance you need and how much to purchase? Coverage requirements will differ by state/province, but typically include the following: Liability: Liability pays for damages due to personal injury and property damage to others that you are responsible for. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, no matter who was responsible for the collision. It is mandated in some states and optional in others. This insurance can also cover lost earnings, service replacement and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may be responsible. This insurance will pay for an insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This may include hail damage, vandalism, and theft. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the proper amount of insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other policies, like car rental, are also available. Car Insurance Quotes Clermont